Winchester Savings Bank: how it compares with its peers
Against 46 MA banks with half to twice its assets, Winchester Savings Bank's strongest measure in Q2 2026 is assets per employee ($14.3M vs. a $9.3M peer median). Its weakest relative measure is net interest margin (2.61% vs. 3.02%).
| Measure | Winchester Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.42% | 0.60% | Bottom third Ahead of 28% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.61% | 3.02% | Bottom third Ahead of 15% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.92% | 75.47% | Middle third Ahead of 54% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $14.3M | $9.3M | Top third Ahead of 93% of peers |
| Loans to deposits Net loans and leases over total deposits. | 106.53% | 93.39% | Context |
What it means for lending operations
Its efficiency ratio of 73.92% is better than the 75.47% 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
- MountainOne Bank North Adams, MA · $1.08B
- Cape Ann Savings Bank Gloucester, MA · $1.07B
- Pentucket Bank Haverhill, MA · $1.12B
- OneLocal Bank Norwood, MA · $1.05B
- Adams Community Bank Adams, MA · $1.01B
Questions about Winchester Savings Bank
How big is Winchester Savings Bank?
Winchester Savings Bank, established in 1871, is headquartered in Winchester, MA. It reported $1.09B in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Winchester Savings Bank's return on assets?
0.42% annualized in Q2 2026, against a 0.60% median for 46 MA banks with half to twice its assets, ahead of 28% of them.
What is Winchester Savings Bank's efficiency ratio?
73.92% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 75.47%, and lower is better.
Is Winchester Savings Bank growing its loans?
Net loans grew 15.9% over the year to Q2 2026, while deposits grew 19.9%.
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.