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Overview / Commentary
19 Church Street
Winchester, MA 01890

Winchester Co-operative Bank is headquartered in Winchester and is the 55th largest bank in the state of Massachusetts. It is also the 1,174th largest bank in the nation. It was established in 1893 and as of March of 2014, 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 Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Winchester Co-operative Bank had $8.14 million in non-current loans and owned real-estate with $66.67 million in equity and loan loss allowances on hand to cover it. This gives Winchester Co-operative Bank a Texas Ratio of 12.21% 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 15.42% as of March 31, 2013 to 12.21% as of March 31, 2014, resulting in a positive change of 20.84%.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 $15.14 million, resulting in 3.11% 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 excellent.



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 $567.44 million in assets with $66.67 million in equity, resulting in a capitalization level of 11.75%, which is excellent.

Institution Statistics

FDIC Certificate #27238
Year Established1893
Primary RegulatorFDIC
Assets and Liabilities
Assets$567.44 million
Loans$361.80 million
Deposits$501.46 million
Equity Capital$65.23 million
Loan Loss Allowance$1.44 million
Unbacked Noncurrent Loans$8.14 million
Real Estate Owned$0
Historic Data - March 2013
Assets$548.53 million
Equity Capital$61.85 million
Loan Loss Allowance$1.43 million
Unbacked Noncurrent Loans$8.14 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.23%
Return on Assets0.59%
Return on Equity5.1%
Interest Income$3.94 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
0.95%--12 Month IRA

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