BlastPoint's Banking Scorecard
Winchester Savings Bank
Designations: ✓ Community bank
Winchester, MA
5 branches across MA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 46 in MA.
- Deposits +19.9% year over year ($817.7M on the books).
- Delinquency rate 0.18%.
- Return on assets 0.42%.
- Efficiency ratio 73.92% vs a 59.73% peer average.
- Loan-to-deposit ratio 106.53% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Winchester Savings Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 49.3% in tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.97% below tier average
- - Net Interest Margin 1.26% below tier average
- - Loan-to-Deposit Ratio 21.49% above tier average
- - Non-Interest-Bearing Deposit Share 12.77% below tier average
- - Non-Interest Income / Assets 0.47% below tier average
- - Efficiency Ratio 14.19% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+16.3% YoY
+3.9% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 9.4% in tier |
| Total Loans ? |
$871.1M
+15.9% YoY
+3.6% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
20% |
| Total Deposits ? |
$817.7M
+19.9% YoY
+3.4% QoQ
|
-$1.5B |
$2.3B
-0.5% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
Bottom 2.1% in tier |
| Return on Assets ? |
0.42%
+111.9% YoY
+0.2% QoQ
|
-0.97% |
1.39%
+17.0% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
Bottom 5.9% in tier |
| Net Interest Margin ? |
2.61%
+15.9% YoY
+3.5% QoQ
|
-1.26% |
3.87%
+6.2% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 5.9% in tier |
| Efficiency Ratio ? |
73.92%
-13.1% YoY
+0.3% QoQ
|
+14.19% |
59.73%
-12.6% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 14.6% in tier |
| Delinquency Rate ? |
0.18%
-38.0% YoY
-7.9% QoQ
|
-0.68% |
0.87%
+11.7% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
106.53%
-3.3% YoY
+0.2% QoQ
|
+21.49% |
85.04%
-0.1% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 6.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.50%
+2.6% YoY
-2.1% QoQ
|
-12.77% |
21.27%
-1.5% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
Bottom 8.4% in tier |
| Nonperforming Asset Ratio ? |
0.15%
-38.2% YoY
-8.2% QoQ
|
-0.53% |
0.67%
+11.7% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
9.63%
-8.1% YoY
-3.7% QoQ
|
-5.21% |
14.84%
-0.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
Bottom 2.7% in tier |
| Non-Interest Income / Assets ? |
0.06%
-9.1% YoY
+97.0% QoQ
|
-0.47% |
0.53%
+2.5% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 4.4% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
8.5%
+0.2pp YoY -0.2pp QoQ |
-12.9pp | 21.4% | 16.2% | 22.2% | 8% |
| Brokered Deposits |
1.4%
-4.3pp YoY -0.5pp QoQ |
-8.0pp | 9.5% | 6.1% | 8.5% | 22% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.4%
-0.1pp YoY 0.0pp QoQ |
-13.6pp | 14.0% | 6.5% | 12.5% | 1% |
| CRE |
50.0%
+1.4pp YoY -0.1pp QoQ |
0.0pp | 50.0% | 40.3% | 41.4% | 50% |
| 1-4 Family |
50.1%
-1.3pp YoY +0.1pp QoQ |
+23.6pp | 26.4% | 52.4% | 31.3% | 90% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 1.6% | 5.0% | 4% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 16.6% | 19.7% | n/a |
| Leverage Ratio |
9.6%
-0.8pp YoY -0.4pp QoQ |
-1.7pp | 11.3% | 11.5% | 12.6% | 26% |
| Total Capital Ratio | n/a | n/a | 16.7% | 17.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
76
0 YoY -2 (-2.6%) QoQ |
-238 | 313 | 755 | 482 | 3% |
| Assets per Employee ($) |
$14.3M
+16.3% YoY +6.6% QoQ |
+$3.8M | $10.5M | $10.7M | $8.8M | 87% |
| Branch Count |
5
0 YoY 0 QoQ |
-15 | 20 | 13 | 18 | 12% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 0.8% | 0.8% | 1.0% | 19% |
| Allowance Coverage |
3.01x
+60.4% YoY +10.5% QoQ |
-15.70x | 18.71x | 7.95x | 20.23x | 64% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 24% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.4%
+2.3pp YoY +0.1pp QoQ |
-8.2pp | 12.6% | 5.6% | 11.6% | 6% |
| Cost of Funds (YTD) |
2.6%
-0.3pp YoY 0.0pp QoQ |
+0.6pp | 1.9% | 2.0% | 1.7% | 86% |
| Net Income ($, YTD) |
$2.2M
+141.5% YoY — QoQ |
-$17.0M | $19.2M | $31.7M | $40.4M | 4% |
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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.