Winchester Savings Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.1 has resulted in Weak (1.5) profitability.
Other Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Excellent asset quality (7.7). Excellent current capitalization (7.1 on a scale of 0 to 10) and a capital leverage ratio of 9.1.
Asset Mix:
Home mtgs (38%), comm re (11%), securities (9%), cash (7%), home eq lns (3%), comm loans (1%), other (32%)
States with Branches:
MA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Winchester Bancorp, MHC
Investment Rating
--
Address
661 Main Street
Winchester, MA 01890
Winchester, MA 01890
Phone Number
(781) 729-2130
Year Founded
1871
FDIC Number
Website
Largest Affiliates
No affiliate information available.