Winchester Co-operative Bank: how it compares with its peers
Against 44 MA banks with half to twice its assets, Winchester Co-operative Bank's strongest measure in Q2 2026 is assets per employee ($17.5M vs. a $9.1M peer median). Its weakest relative measure is net interest margin (2.30% vs. 3.05%).
| Measure | Winchester Co-operative Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.61% | 0.58% | Middle third Ahead of 55% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.30% | 3.05% | Bottom third Ahead of 5% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.13% | 76.61% | Top third Ahead of 84% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $17.5M | $9.1M | Top third Ahead of 98% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.61% | 94.18% | Context |
What it means for lending operations
Its efficiency ratio of 66.13% is better than the 76.61% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- StonehamBank, A Co-operative Bank Stoneham, MA · $918M
- Coastal Heritage Bank Weymouth, MA · $984M
- Greenfield Co-operative Bank Greenfield, MA · $902M
- Mechanics Cooperative Bank Taunton, MA · $899M
- The Savings Bank Wakefield, MA · $891M
- Adams Community Bank Adams, MA · $1.01B
Questions about Winchester Co-operative Bank
How big is Winchester Co-operative Bank?
Winchester Co-operative Bank, established in 1893, is headquartered in Winchester, MA. It reported $947M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Winchester Co-operative Bank's return on assets?
0.61% annualized in Q2 2026, against a 0.58% median for 44 MA banks with half to twice its assets, ahead of 55% of them.
What is Winchester Co-operative Bank's efficiency ratio?
66.13% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 76.61%, and lower is better.
Is Winchester Co-operative Bank growing its loans?
Net loans grew 6.8% over the year to Q2 2026, while deposits grew 8.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Massachusetts bank ranked.