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Overview / Commentary
19 Church Street
Winchester, MA 01890

Winchester Co-operative Bank is headquartered in Winchester and is the 57th largest bank in the state of Massachusetts. It is also the 1,188th largest bank in the nation. It was established in 1893 and as of December of 2013, it had grown to 41 employees at 1 location. Winchester Co-operative Bank's money market rates are 14% higher than the national average, and it has a B+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Winchester Co-operative Bank had $8.61 million in non-current loans and owned real-estate with $65.85 million in equity and loan loss allowances on hand to cover it. This gives Winchester Co-operative Bank a Texas Ratio of 13.07% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Winchester Co-operative Bank decreased slightly from 17.38% as of December 31, 2012 to 13.07% as of December 31, 2013, resulting in a positive change of 24.79%.This indicates that the balance sheet and financial strength for Winchester Co-operative Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Winchester Co-operative Bank has increased its total deposits by $6.41 million, resulting in 1.31% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Winchester Co-operative Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Winchester Co-operative Bank has $559.08 million in assets with $65.85 million in equity, resulting in a capitalization level of 11.78%, which is excellent.

Institution Statistics

FDIC Certificate #27238
Year Established1893
Primary RegulatorFDIC
Assets and Liabilities
Assets$559.08 million
Loans$361.04 million
Deposits$494.34 million
Equity Capital$64.41 million
Loan Loss Allowance$1.44 million
Unbacked Noncurrent Loans$8.61 million
Real Estate Owned$0
Historic Data - December 2012
Assets$549.10 million
Equity Capital$60.82 million
Loan Loss Allowance$1.43 million
Unbacked Noncurrent Loans$8.61 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.28%
Return on Assets0.65%
Return on Equity5.71%
Interest Income$15.90 million

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Winchester Co-operative Bank Savings Account Rates

0.50%--Passbook Savings Accounts
0.50%-- Statement Savings Account
0.50%-- Club Savings Accounts

Winchester Co-operative Bank Money Market Rates

0.50%--Money Market Deposit Account

Winchester Co-operative Bank Checking Account Rates

0.10%--Now Account

Winchester Co-operative Bank CD Rates

1.25%$500-36 Month CD
1.15%$500-24 Month CD
1.00%$500-18 Month CD
0.80%$500-12 Month CD
0.65%$500-6 Month CD
0.55%$500-91 Day CD

Winchester Co-operative Bank IRA Rates

1.15%--18 Month IRA (Traditional,Roth)
0.95%--12 Month IRA (Traditional,Roth)

Winchester Co-operative Bank Locations
Winchester Co-Operative Bank19 Church StreetWinchester, MA 1890