Winchester Savings Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (1.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) and a capital leverage ratio of 10.2. A current level of 3.5 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Excellent asset quality (8.3).
Asset Mix:
Home mtgs (37%), securities (11%), comm re (11%), cash (5%), home eq lns (3%), comm loans (0%), other (33%)
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.