Winchester Co-operative Bank

Overview / Commentary

www.wcbonline.com

781-729-3620

19 Church Street
Winchester, MA 01890

Winchester Co-operative Bank is headquartered in Winchester and is the 57^th largest bank in the state of Massachusetts. It is also the 1,168^th largest bank in the nation. It was established in 1893 and as of December of 2018, it had grown to 47 employees at 1 location. Winchester Co-operative Bank's CD rates are 3X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	27238
Year Established	1893
Employees	47
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.9%
Return on Equity - YTD	6.79%
Annual Interest Income	$21.2MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$634.8MM$614.9MM
Loans	Q4 2018vs Q4 2017	$502.0MM$470.1MM
Deposits	Q4 2018vs Q4 2017	$526.1MM$534.1MM
Equity Capital	Q4 2018vs Q4 2017	$85.5MM$79.9MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$1.4MM$1.4MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$4.7MM$4.7MM
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Winchester Co-operative Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.15%^*	$2.5k^*	$500k	Cooperative Select Savings Accounts
OTHER TIERS: 0.75% → $10+
0.75%	$10	-	Passbook Savings Accounts
0.75%	$10	-	Statement Savings Account
0.75%	$10	-	Club Savings Accounts

Winchester Co-operative Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	$10	-	Money Market Deposit Account

Winchester Co-operative Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$10	-	Now Account

Winchester Co-operative Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.75%	$500	-	36 Month CD
2.60%	$500	-	30 Month CD
2.55%	$500	-	12 Month CD
2.50%	$500	-	24 Month CD
2.45%	$500	-	18 Month CD
2.05%	$500	-	6 Month CD
1.50%	$500	-	91 Day CD

Winchester Co-operative Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.75%	$1	-	36 Month IRA
2.60%	$1	-	30 Month IRA
2.50%	$1	-	24 Month IRA
2.45%	$1	-	18 Month IRA
2.25%	$1	-	12 Month IRA

Locations

Winchester Co-operative Bank Locations
Winchester Co-Operative Bank	19 Church Street	Winchester, MA 01890

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