Winchester Co-operative Bank
Winchester, MA
IDRSSD: 268976
Total Assets
$907.44M
Latest filing
Total Deposits
$736.93M
Latest filing
Net Interest Margin
2.16%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Winchester Co-operative Bank
19 Church St
Winchester, MA 01890
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1893FDIC Certificate 39178
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Winchester Co-operative Bank (Main) | 19 Church St | Winchester, MA |
| WOBURN BRANCH | 198 Lexington St | Woburn, MA |
Showing 1 of 1
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 | 01/01/1893 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 01890 |
| State and County Number | 25017 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Boston-Cambridge-Newton, MA-NH |
Operational Info
| Number of Employees | 56 |
| Domestic Offices | 2 |
| 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 | 04/22/1988 |
| Primary Insurance Agency | DIF |
| Website | www.wcbonline.com |
| Data Updated | 01/30/2026 |
| CERT | 27238 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $907.44M |
| Total Deposits | $736.93M |
| Total Liabilities | $800.32M |
| Total Equity Capital | $107.13M |
| Net Income | $1.23M |
| Net Loans and Leases | $677.31M |
| Assets Per Employee ($Millions) | $16.8M |
| Bank Premises and Fixed Assets | $4.53M |
| Cash and Balances due from Depository Institutions | $101.31M |
| Deposits Held in Domestic Offices | $736.93M |
Key Performance Ratios
| Return on Assets (ROA) | 0.55% |
| Return on Equity (ROE) | 4.63% |
| Net Interest Margin | 2.16% |
| Efficiency Ratio | 70.03% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.805% |
| Earning Assets to total Assets | 97.05% |
Income and Expense
| Total Interest Income | $10.48M |
| Total Noninterest Income | $291.00k |
| Total Interest Expense | $5.76M |
| Total Noninterest Expense | $3.51M |
| Net Interest Income | $4.72M |
| Pre-tax Net Operating Income | $1.53M |
| Provision for Credit Losses | $-26,000 |
| 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 | $60.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.39M |
| Total Liabilities and Capital | $907.44M |
Securities
| Securities | $104.98M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $104.98M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Winchester Co-operative Bank?
$907.44M as of the latest filing.
How much are Winchester Co-operative Bank's total deposits?
$736.93M in total deposits.
Where is Winchester Co-operative Bank located?
Winchester, MA.
What is the Net Interest Margin?
2.16%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1893.
What is the Return on Assets (ROA)?
0.55%.
How much are total loans and leases?
$677.31M (latest filing).
What is the total interest income (latest filing)?
$10.48M.