BlastPoint's Banking Scorecard
Winchester Savings Bank
Designations: ✓ Community bank
Winchester, MA
5 branches across MA
Winchester Savings Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 30.5% in tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.95% below tier average
- - Net Interest Margin 1.30% below tier average
- - Loan-to-Deposit Ratio 22.08% above tier average
- - Non-Interest-Bearing Deposit Share 12.60% below tier average
- - Non-Interest Income / Assets 0.23% below tier average
- - Efficiency Ratio 12.65% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+13.3% YoY
+4.2% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$6.7B
+9.3% YoY
|
$6.2B
+9.0% YoY
|
Bottom 4.8% in tier |
| Total Loans ? |
$840.8M
+15.5% YoY
+5.1% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.7% YoY
|
18% |
| Total Deposits ? |
$791.1M
+12.2% YoY
+5.2% QoQ
|
-$1.6B |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.0% YoY
|
Bottom 1.9% in tier |
| Return on Assets ? |
0.42%
+212.2% YoY
+44.7% QoQ
|
-0.95% |
1.37%
+19.6% YoY
|
0.55%
+41.3% YoY
|
1.24%
+13.1% YoY
|
Bottom 7.8% in tier |
| Net Interest Margin ? |
2.52%
+22.1% YoY
+6.9% QoQ
|
-1.30% |
3.82%
+6.9% YoY
|
3.01%
+9.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 5.9% in tier |
| Efficiency Ratio ? |
73.70%
-19.1% YoY
-8.8% QoQ
|
+12.65% |
61.05%
-4.6% YoY
|
80.10%
-2.5% YoY
|
66.84%
-3.8% YoY
|
16% |
| Delinquency Rate ? |
0.20%
-23.1% YoY
-56.2% QoQ
|
-0.69% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
106.28%
+3.0% YoY
-0.1% QoQ
|
+22.08% |
84.20%
+0.3% YoY
|
91.35%
-0.3% YoY
|
76.69%
+0.9% YoY
|
Bottom 6.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.68%
+11.3% YoY
-4.1% QoQ
|
-12.60% |
21.28%
-2.5% YoY
|
15.67%
-3.7% YoY
|
22.01%
-1.1% YoY
|
Bottom 9.2% in tier |
| Nonperforming Asset Ratio ? |
0.16%
-21.6% YoY
-55.9% QoQ
|
-0.52% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.66%
+19.3% YoY
|
78% |
| Tier 1 Capital Ratio ? |
10.00%
+10.4% YoY
-1.7% QoQ
|
-5.17% |
15.17%
+2.0% YoY
|
15.05%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 4.8% in tier |
| Non-Interest Income / Assets ? |
0.03%
-6.0% YoY
-75.9% QoQ
|
-0.23% |
0.26%
+1.6% YoY
|
0.28%
+1.4% YoY
|
0.32%
+4.0% YoY
|
Bottom 4.5% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.