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.

The score has been essentially flat from Q2 2025 to Q2 2026 (60 → 59).

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

Yes. Winchester Savings Bank is an FDIC-insured institution (FDIC certificate #90308). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.9% of deposits ($301.7M) 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 9.63%, 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

Winchester Savings Bank lists 6 offices in 5 cities. Most locations:

• Woburn, MA (2)
• Arlington, MA (1)
• Danvers, MA (1)
• Wakefield, MA (1)
• Winchester, MA (1)

All branch addresses and map

In 2025, Winchester Savings Bank reported 99 home-loan applications under HMDA (LEI 549300B1DHIVKN5DEJ29): 81 originated ($105,825,000 total), 3 denied, and 15 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.6%, 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.

Legal name

Winchester Savings Bank

Type

SI

FDIC certificate #

90308

RSSD ID

899008

Primary regulator

FDIC

Holding company

Winchester Bcorp Mhc

Established

July 1, 1871

Headquarters

661 Main St, Winchester, MA 01890

Website

www.winchestersavings.com

Employees

76