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 56^th largest bank in the state of Massachusetts. It is also the 1,196^th largest bank in the nation. It was established in 1893 and as of June of 2022, it had grown to 56 employees at 2 locations. Winchester Co-operative Bank's money market rates are 5X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	27238
Year Established	1893
Employees	56
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.4%
Return on Equity - YTD	3.28%
Annual Interest Income	$8.9MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$794.9MM$768.7MM
Loans	Q2 2022vs Q2 2021	$470.4MM$489.9MM
Deposits	Q2 2022vs Q2 2021	$693.8MM$661.1MM
Equity Capital	Q2 2022vs Q2 2021	$97.3MM$94.1MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$1.3MM$1.4MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$3.4MM$4.7MM
Real Estate Owned	Q2 2022vs Q2 2021	$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
3.00%^*	$2.5k^*	$500k	Cooperative Select Savings Accounts
OTHER TIERS: 1.00% → $10+
1.00%	$10	-	Passbook Savings Accounts
1.00%	$10	-	Statement Savings Account
1.00%	$10	-	Club Savings Accounts

Winchester Co-operative Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%	$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
4.50%	$500	-	24 Month CD
4.25%	$500	-	18 Month CD
4.00%	$500	-	12 Month CD
4.00%	$500	-	36 Month CD
4.00%	$500	-	30 Month CD
3.50%	$500	-	6 Month CD
3.25%	$500	-	91 Day CD

Winchester Co-operative Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.50%	$10	-	24 Month IRA
4.25%	$10	-	18 Month IRA
4.00%	$10	-	12 Month IRA
4.00%	$10	-	30 Month IRA
4.00%	$10	-	36 Month IRA

Locations

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

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