BlastPoint's Banking Scorecard
Winchester Savings Bank
Community
Specialty: Commercial
MA
FDIC cert 90308
Winchester, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Winchester Savings Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 52% in Community
- - Return on Assets 0.87% below tier
- - Net Interest Margin 1.31% below tier
- - Loan-to-Deposit Ratio 23.34% above tier
- - Non-Interest-Bearing Deposit Share 11.99% below tier
- - Non-Interest Income / Assets 0.61% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+12.2% YoY
+1.3% QoQ
|
-$386.9M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$800.4M
+10.3% YoY
+0.9% QoQ
|
-$175.1M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$752.2M
+13.4% YoY
+4.4% QoQ
|
-$412.4M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
0.29%
+16.4% QoQ
|
-0.87% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.36%
+27.8% YoY
+2.3% QoQ
|
-1.31% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
80.84%
-13.8% YoY
-3.0% QoQ
|
+18.21% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.45%
+69.8% YoY
+85.3% QoQ
|
-0.18% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
106.40%
-2.7% YoY
-3.4% QoQ
|
+23.34% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.05%
+15.7% YoY
-0.1% QoQ
|
-11.99% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.36%
+66.9% YoY
+84.5% QoQ
|
-0.14% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.13%
-5.3% YoY
+33.3% QoQ
|
-0.61% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Efficiency Drag
risk
#80 of 152 · Bottom 52% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
80.84%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.29%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 4%
in Community
Why this stands out
Current:
2.36%
(Tier avg: 3.66%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
106.40%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Community
Why this stands out
Current:
9.05%
(Tier avg: 21.05%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.13%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
57
57th pctile
Total Loans
Current: $800.4M · Tier avg: $975.5M
50
50th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
50
50th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
49
49th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
43
43th pctile
Total Deposits
Current: $752.2M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
10
10th pctile
Efficiency Ratio
Current: 80.84% · Tier avg: 62.63%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 9.05% · Tier avg: 21.05%
6
6th pctile
Return on Assets
Current: 0.29% · Tier avg: 1.16%
6
6th pctile
Loan-to-Deposit Ratio
Current: 106.40% · Tier avg: 83.06%
5
5th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.74%
4
4th pctile
Net Interest Margin
Current: 2.36% · Tier avg: 3.66%
Top Weaknesses
4
4th pctile
Net Interest Margin
Current: 2.36% · Tier avg: 3.66%
5
5th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.74%
6
6th pctile
Loan-to-Deposit Ratio
Current: 106.40% · Tier avg: 83.06%
6
6th pctile
Return on Assets
Current: 0.29% · Tier avg: 1.16%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 9.05% · Tier avg: 21.05%
10
10th pctile
Efficiency Ratio
Current: 80.84% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
43
43th pctile
Total Deposits
Current: $752.2M · Tier avg: $1.2B
49
49th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
50
50th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
50
50th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
57
57th pctile
Total Loans
Current: $800.4M · Tier avg: $975.5M