Winchester Savings Bank
Winchester, MA
IDRSSD: 899008
Total Assets
$991.60M
Latest filing
Total Deposits
$720.28M
Latest filing
Net Interest Margin
2.43%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Winchester Savings Bank
661 Main St
Winchester, MA 01890
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/01/1871FDIC Certificate 17897
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Winchester Savings Bank (Main) | 661 Main St | Winchester, MA |
| HORN POND PLAZA BRANCH | 344 Cambridge Rd | Woburn, MA |
| ARLINGTON BRANCH | 188 Medford St | Arlington, MA |
| WOBURN CENTER BRANCH | 375 Main St. | Woburn, MA |
| DANVERS BRANCH | 44 Maple Street | Danvers, MA |
Showing 4 of 4
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 | 07/01/1871 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 01890 |
| State and County Number | 25017 |
| 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 | Boston-Cambridge-Newton, MA-NH |
Operational Info
| Number of Employees | 76 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 04/30/2025 |
| Date of Deposit Insurance | 03/14/1986 |
| Primary Insurance Agency | DIF |
| Website | www.winchestersavings.com |
| Data Updated | 11/14/2025 |
| CERT | 90308 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $991.60M |
| Total Deposits | $720.28M |
| Total Liabilities | $893.56M |
| Total Equity Capital | $98.04M |
| Net Income | $837.00k |
| Net Loans and Leases | $793.40M |
| Assets Per Employee ($Millions) | $14.58M |
| Bank Premises and Fixed Assets | $7.40M |
| Cash and Balances due from Depository Institutions | $57.72M |
| Deposits Held in Domestic Offices | $720.28M |
Key Performance Ratios
| Return on Assets (ROA) | 0.35% |
| Return on Equity (ROE) | 3.44% |
| Net Interest Margin | 2.43% |
| Efficiency Ratio | 80.32% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.887% |
| Earning Assets to total Assets | 95.86% |
Income and Expense
| Total Interest Income | $11.79M |
| Total Noninterest Income | $332.00k |
| Total Interest Expense | $6.20M |
| Total Noninterest Expense | $4.76M |
| Net Interest Income | $5.59M |
| Pre-tax Net Operating Income | $1.49M |
| Provision for Credit Losses | $-319,000 |
| 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 | $164.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $9.29M |
| Total Liabilities and Capital | $991.60M |
Securities
| Securities | $102.17M |
| Available-for-sale debt securities | $47.04M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $55.13M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Winchester Savings Bank?
$991.60M as of the latest filing.
How much are Winchester Savings Bank's total deposits?
$720.28M in total deposits.
Where is Winchester Savings Bank located?
Winchester, MA.
What is the Net Interest Margin?
2.43%.
How many domestic offices does it operate?
5.
When was it established?
07/01/1871.
What is the Return on Assets (ROA)?
0.35%.
How much are total loans and leases?
$793.40M (latest filing).
What is the total interest income (latest filing)?
$11.79M.