Winchester Co-operative Bank
Winchester, MA
IDRSSD: 268976
Total Assets
$890.37M
Latest filing
Total Deposits
$720.89M
Latest filing
Net Interest Margin
2.12%
Profitability
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 11/14/2025Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Winchester Savings Bank
Winchester, Massachusetts
→
Assets: $935.23MΔ +6.1%
StonehamBank, A Co-operative Bank
Stoneham, Massachusetts
→
Assets: $852.86MΔ -3.2%
The Savings Bank
Wakefield, Massachusetts
→
Assets: $836.54MΔ -5.1%
Greenfield Co-operative Bank
Greenfield, Massachusetts
→
Assets: $832.15MΔ -5.6%
Rollstone Bank & Trust
Fitchburg, Massachusetts
→
Assets: $931.10MΔ +5.6%
Mechanics Cooperative Bank
Taunton, Massachusetts
→
Assets: $830.58MΔ -5.8%
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 | 55 |
| 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 | 11/14/2025 |
| CERT | 27238 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $890.37M |
| Total Deposits | $720.89M |
| Total Liabilities | $784.48M |
| Total Equity Capital | $105.90M |
| Net Income | $1.02M |
| Net Loans and Leases | $666.95M |
| Assets Per Employee ($Millions) | $15.9M |
| Bank Premises and Fixed Assets | $4.54M |
| Cash and Balances due from Depository Institutions | $87.60M |
| Deposits Held in Domestic Offices | $720.89M |
Key Performance Ratios
| Return on Assets (ROA) | 0.46% |
| Return on Equity (ROE) | 3.88% |
| Net Interest Margin | 2.12% |
| Efficiency Ratio | 71.34% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.893% |
| Earning Assets to total Assets | 96.99% |
Income and Expense
| Total Interest Income | $10.40M |
| Total Noninterest Income | $286.00k |
| Total Interest Expense | $5.84M |
| Total Noninterest Expense | $3.45M |
| Net Interest Income | $4.55M |
| Pre-tax Net Operating Income | $1.35M |
| Provision for Credit Losses | $38.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| 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 | $3.58M |
| Total Liabilities and Capital | $890.37M |
Securities
| Securities | $111.76M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $111.76M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Winchester Co-operative Bank?
$890.37M as of the latest filing.
How much are Winchester Co-operative Bank's total deposits?
$720.89M in total deposits.
Where is Winchester Co-operative Bank located?
Winchester, MA.
What is the Net Interest Margin?
2.12%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1893.
What is the Return on Assets (ROA)?
0.46%.
How much are total loans and leases?
$666.95M (latest filing).
What is the total interest income (latest filing)?
$10.40M.