Winchester Co-operative Bank (FDIC certificate #27238) is based in Winchester, Massachusetts. Its Q2 2026 call report shows $946.9M in total assets and $773.8M in deposits and 2 offices.
Based on its Q2 2026 filing, Winchester Co-operative Bank scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 92 banks headquartered in Massachusetts, it ranks 30th. Its strongest component is problem-loan coverage (95/100; 2.7%), and its lowest is earnings (44/100; 0.61%).
TellerScore · Q2 2026
Scorecard
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 4 points (65 → 69), mostly because the loan quality component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 65 |
| Q4 2024 | 66 |
| Q1 2025 | 68 |
| Q2 2025 | 65 |
| Q3 2025 | 64 |
| Q4 2025 | 67 |
| Q1 2026 | 69 |
| Q2 2026 | 69 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.84% |
| Q3 2024 | 12.32% |
| Q4 2024 | 12.25% |
| Q1 2025 | 12.07% |
| Q2 2025 | 12.00% |
| Q3 2025 | 11.93% |
| Q4 2025 | 11.92% |
| Q1 2026 | 11.82% |
| Q2 2026 | 11.80% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.53% |
| Q1 2025 | 0.49% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.81% |
| Q4 2025 | 0.60% |
| Q1 2026 | 0.48% |
| Q2 2026 | 0.43% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.12% |
| Q4 2024 | 0.16% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.43% |
| Q3 2025 | 0.44% |
| Q4 2025 | 0.47% |
| Q1 2026 | 0.63% |
| Q2 2026 | 0.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $946.9M | 11.80% | 0.43% | 0.61% | 89.6% |
| Q1 2026 | 69 | $931.7M | 11.82% | 0.48% | 0.63% | 89.8% |
| Q4 2025 | 67 | $907.4M | 11.92% | 0.60% | 0.47% | 91.9% |
| Q3 2025 | 64 | $890.4M | 11.93% | 0.81% | 0.44% | 92.5% |
| Q2 2025 | 65 | $881.3M | 12.00% | 0.72% | 0.43% | 91.0% |
| Q1 2025 | 68 | $873.6M | 12.07% | 0.49% | 0.35% | 90.5% |
| Q4 2024 | 66 | $852.1M | 12.25% | 0.53% | 0.16% | 92.7% |
| Q3 2024 | 65 | $840.8M | 12.32% | 0.56% | 0.12% | 93.0% |
| Q2 2024 | 67 | $832.0M | 12.84% | 0.47% | 0.10% | 93.3% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| StonehamBank, A Co-operative BankBank Stoneham, MA | 60 out of 100, Moderate | $918.3M | 8.9% | 0.32% | vs |
| Coastal Heritage BankBank Weymouth, MA | 63 out of 100, Moderate | $983.6M | 11.5% | 0.60% | vs |
| Greenfield Co-operative BankBank Greenfield, MA | 71 out of 100, Strong | $901.8M | 12.5% | 0.72% | vs |
| Mechanics Cooperative BankBank Taunton, MA | 77 out of 100, Strong | $898.8M | 12.4% | 0.03% | vs |
| The Savings BankBank Wakefield, MA | 62 out of 100, Moderate | $891.0M | 9.4% | 0.17% | vs |
| Rollstone Bank & TrustBank Fitchburg, MA | 62 out of 100, Moderate | $816.3M | 10.1% | 0.20% | vs |
Deposit insurance
Is my money safe at Winchester Co-operative Bank?
Yes. Winchester Co-operative Bank is an FDIC-insured institution (FDIC certificate #27238). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.0% of deposits ($201.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.80%, 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%).
2 locations
Branches
Winchester Co-operative Bank lists 2 offices in 2 cities. Most locations:
- Winchester, MA (1)
- Woburn, MA (1)
Identity & history
Profile
- Legal name
- Winchester Co-operative Bank
- Type
- SI
- FDIC certificate #
- 27238
- RSSD ID
- 268976
- Primary regulator
- FDIC
- Established
- January 1, 1893
- Headquarters
- 19 Church St, Winchester, MA 01890
- Website
- www.wcbonline.com
- Employees
- 54
Quick answers
Winchester Co-operative Bank: common questions
Is Winchester Co-operative Bank FDIC insured?
Yes. Winchester Co-operative Bank is an FDIC-insured institution (FDIC certificate #27238). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Winchester Co-operative Bank's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Winchester Co-operative Bank ever failed?
There is no failure record for FDIC certificate #27238 in the FDIC failed bank list.
How many branches does Winchester Co-operative Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Winchester
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA | 97 out of 100, Very strong | $10.2M | 24.8% | 0.12% | vs |
| Alpha Credit UnionCredit union Boston, MA | 97 out of 100, Very strong | $35.1M | 18.8% | 0.14% | vs |
| Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA | 92 out of 100, Very strong | $14.2M | 25.8% | 0.27% | vs |
| Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA | 92 out of 100, Very strong | $7.4M | 19.6% | 0.00% | vs |
| Watertown Municipal Credit UnionCredit union Watertown, MA | 91 out of 100, Very strong | $9.7M | 36.9% | 0.00% | vs |
| Billerica Municipal Employees Credit UnionCredit union Billerica, MA | 91 out of 100, Very strong | $23.6M | 17.8% | 0.00% | vs |