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 58^th largest bank in the state of Massachusetts. It is also the 1,131^st largest bank in the nation. It was established in 1893 and as of June of 2019, it had grown to 51 employees at 2 locations. Winchester Co-operative Bank's CD rates are 2X the national average, and it has an A health rating.

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Health

Data as of Q2 2019

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Health Grade Components

Overall
FDIC Certificate #	27238
Year Established	1893
Employees	51
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.61%
Return on Equity - YTD	4.63%
Annual Interest Income	$11.4MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$664.2MM$630.7MM
Loans	Q2 2019vs Q2 2018	$502.3MM$481.4MM
Deposits	Q2 2019vs Q2 2018	$558.4MM$539.7MM
Equity Capital	Q2 2019vs Q2 2018	$87.5MM$82.8MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$1.4MM$1.4MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$3.7MM$2.9MM
Real Estate Owned	Q2 2019vs Q2 2018	$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
1.05%^*	$2.5k^*	$500k	Cooperative Select Savings Accounts
OTHER TIERS: 0.40% → $10+
0.40%	$10	-	Passbook Savings Accounts
0.40%	$10	-	Statement Savings Account
0.40%	$10	-	Club Savings Accounts

Winchester Co-operative Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%	$10	-	Money Market Deposit Account

Winchester Co-operative Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$10	-	Co-operative Checking Account

Winchester Co-operative Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%	$500	-	18 Month CD
2.00%	$500	-	24 Month CD
2.00%	$500	-	36 Month CD
2.00%	$500	-	30 Month CD
1.95%	$500	-	12 Month CD
1.75%	$500	-	6 Month CD
1.25%	$500	-	91 Day CD

Winchester Co-operative Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%	$1	-	18 Month IRA
2.00%	$1	-	24 Month IRA
2.00%	$1	-	30 Month IRA
2.00%	$1	-	36 Month IRA
1.95%	$1	-	12 Month IRA

Locations

Winchester Co-operative Bank Locations
Winchester Co-Operative Bank	19 Church Street	Winchester, MA 01890
Woburn Branch	198 Lexington Street	Woburn, MA 01801

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