Webster Five Cents Savings Bank
Webster, MA
IDRSSD: 765505
Total Assets
$1.30B
Latest filing
Total Deposits
$992.61M
Latest filing
Net Interest Margin
3.62%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Webster Five Cents Savings Bank
136 Thompson Rd
Webster, MA 01570
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/15/1868FDIC Certificate 17886
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Webster Five Cents Savings Bank (Main) | 136 Thompson Rd | Webster, MA |
| OXFORD BRANCH | 343 Main St | Oxford, MA |
| DUDLEY BRANCH | 208 W Main St | Dudley, MA |
| AUBURN BRANCH | 400 Southbridge St | Auburn, MA |
| WORCESTER BRANCH | 266 Chandler St | Worcester, MA |
| FRONT STREET BRANCH | 100 Front St | Worcester, MA |
| SHREWSBURY BRANCH | 261 Grafton St | Shrewsbury, MA |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 03/15/1868 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 01570 |
| State and County Number | 25027 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Worcester, MA-CT |
Operational Info
| Number of Employees | 141 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 08/02/1985 |
| Primary Insurance Agency | DIF |
| Website | www.web5.com |
| Data Updated | 01/30/2026 |
| CERT | 90297 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.30B |
| Total Deposits | $992.61M |
| Total Liabilities | $1.15B |
| Total Equity Capital | $152.22M |
| Net Income | $2.04M |
| Net Loans and Leases | $985.69M |
| Assets Per Employee ($Millions) | $9.22M |
| Bank Premises and Fixed Assets | $26.80M |
| Cash and Balances due from Depository Institutions | $25.53M |
| Deposits Held in Domestic Offices | $992.61M |
Key Performance Ratios
| Return on Assets (ROA) | 0.62% |
| Return on Equity (ROE) | 5.42% |
| Net Interest Margin | 3.62% |
| Efficiency Ratio | 68.85% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.41% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.703% |
| Earning Assets to total Assets | 93.81% |
Income and Expense
| Total Interest Income | $16.43M |
| Total Noninterest Income | $1.48M |
| Total Interest Expense | $5.25M |
| Total Noninterest Expense | $8.72M |
| Net Interest Income | $11.18M |
| Pre-tax Net Operating Income | $2.60M |
| Provision for Credit Losses | $1.35M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $140.87M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.01M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $14.99M |
| Total Liabilities and Capital | $1.30B |
Securities
| Securities | $213.73M |
| Available-for-sale debt securities | $213.73M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Webster Five Cents Savings Bank?
$1.30B as of the latest filing.
How much are Webster Five Cents Savings Bank's total deposits?
$992.61M in total deposits.
Where is Webster Five Cents Savings Bank located?
Webster, MA.
What is the Net Interest Margin?
3.62%.
How many domestic offices does it operate?
7.
When was it established?
03/15/1868.
What is the Return on Assets (ROA)?
0.62%.
How much are total loans and leases?
$985.69M (latest filing).
What is the total interest income (latest filing)?
$16.43M.