TellerScore

Webster Five Cents Savings Bank is a si headquartered in Webster, Massachusetts, in business for about 158 years. At the end of Q2 2026 it reported $1.3B in total assets and $1.0B in deposits, with 7 offices.

Webster Five Cents Savings Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 897 banks with $1 billion – $10 billion. Among 92 banks headquartered in Massachusetts, it ranks 23rd. Problem-loan coverage contributes the most (94/100, 2.8%); funding & liquidity contributes the least (37/100, 97% loans-to-deposits, 39% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Tier 1 leverage ratio: 12.52%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.46%
Earnings55/100
Return on assets (annualized): 0.87%
Funding & liquidity37/100
Loans ÷ deposits and uninsured-deposit share: 97.0% · 39.0% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.76%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 10 points (60 → 70), mostly because the loan quality component improved by 17 points.

TellerScore
606570Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202465
Q4 202466
Q1 202566
Q2 202560
Q3 202562
Q4 202564
Q1 202661
Q2 202670
Tier 1 leverage ratio
5.00%8.76%12.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.36%
Q3 202411.50%
Q4 202411.53%
Q1 202511.51%
Q2 202511.55%
Q3 202511.84%
Q4 202512.11%
Q1 202612.34%
Q2 202612.52%
Noncurrent loans
0.23%0.69%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.31%
Q3 20240.32%
Q4 20240.23%
Q1 20250.41%
Q2 20250.95%
Q3 20250.88%
Q4 20250.76%
Q1 20261.16%
Q2 20260.46%
Return on assets
0.45%0.66%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.45%
Q3 20240.54%
Q4 20240.54%
Q1 20250.72%
Q2 20250.72%
Q3 20250.76%
Q4 20250.73%
Q1 20260.73%
Q2 20260.87%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$1.3B12.52%0.46%0.87%97.0%
Q1 202661$1.3B12.34%1.16%0.73%97.1%
Q4 202564$1.3B12.11%0.76%0.73%99.3%
Q3 202562$1.3B11.84%0.88%0.76%97.8%
Q2 202560$1.3B11.55%0.95%0.72%100.4%
Q1 202566$1.3B11.51%0.41%0.72%100.7%
Q4 202466$1.3B11.53%0.23%0.54%101.9%
Q3 202465$1.3B11.50%0.32%0.54%99.2%
Q2 202464$1.2B11.36%0.31%0.45%99.1%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.52%
81st
Total risk-based capital0.00%
13th
Problem loans0.46%
54th
Net charge-offs0.49%
8th
Return on assets0.87%
22nd
Net interest margin3.71%
51st
Efficiency ratio69.7%
21st
Loans to deposits97.0%
21st
Uninsured deposits39.0%
29th
Loan-loss reserves0.80%
15th
Texas ratio2.8%
60th

Similar-size banks in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Fidelity Co-operative BankBank Leominster, MA39 out of 100, Low$1.3B9.9%4.44%vs
Martha's Vineyard BankBank Edgartown, MA69 out of 100, Moderate$1.3B11.8%0.09%vs
MutualOne BankBank Framingham, MA54 out of 100, Below average$1.2B21.1%5.92%vs
Reading Co-operative BankBank Reading, MA56 out of 100, Moderate$1.2B7.3%0.06%vs
Watertown Savings BankBank Watertown, MA78 out of 100, Strong$1.4B12.0%0.17%vs
Pentucket BankBank Haverhill, MA63 out of 100, Moderate$1.1B11.7%0.79%vs

Deposit insurance

Is my money safe at Webster Five Cents Savings Bank?

Yes. Webster Five Cents Savings Bank is an FDIC-insured institution (FDIC certificate #90297). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 39.0% of deposits ($390.1M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.52%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Webster Five Cents Savings Bank lists 7 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Webster Five Cents Savings Bank reported 312 home-loan applications under HMDA (LEI 549300YOEBGKPKU43Q28): 214 originated ($56,890,000 total), 57 denied, and 36 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Webster Five Cents Savings Bank
Type
SI
FDIC certificate #
90297
RSSD ID
765505
Primary regulator
FDIC
Holding company
Webfive Mhc
Established
March 15, 1868
Headquarters
136 Thompson Rd, Webster, MA 01570
Employees
149

Quick answers

Webster Five Cents Savings Bank: common questions

Is Webster Five Cents Savings Bank FDIC insured?

Yes. Webster Five Cents Savings Bank is an FDIC-insured institution (FDIC certificate #90297). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Webster Five Cents Savings Bank's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Webster Five Cents Savings Bank ever failed?

There is no failure record for FDIC certificate #90297 in the FDIC failed bank list.

How many branches does Webster Five Cents Savings Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Webster

InstitutionScoreAssetsCapitalProblem loansCompare
Webster First Federal Credit UnionCredit union Worcester, MA87 out of 100, Very strong$1.5B19.7%0.41%vs
Charter Oak Federal Credit UnionCredit union Waterford, CT85 out of 100, Very strong$1.7B12.5%0.50%vs
Allcom Credit UnionCredit union Worcester, MA85 out of 100, Very strong$81.8M16.6%0.07%vs
Middlesex Savings BankBank Natick, MA79 out of 100, Strong$6.1B13.4%0.33%vs
Liberty BankBank Middletown, CT79 out of 100, Strong$9.4B13.4%0.32%vs
Worcester Fire Dept. Credit UnionCredit union Worcester, MA78 out of 100, Strong$47.1M13.2%0.91%vs