Side-by-side · Q2 2026 data
Adams Community Bank vs Winchester Savings Bank
Metric by metric
| Measure | Adams Community Bank | Winchester Savings Bank |
|---|---|---|
| TellerScore | 59 | 59 |
| Capital cushion | 53 (stronger) | 46 |
| Loan quality | 87 | 94 (stronger) |
| Earnings | 39 (stronger) | 37 |
| Funding & liquidity | 29 | 29 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 19th | 19th |
| Total assets | $1.0B | $1.1B |
| Deposits / shares | $822.6M | $817.7M |
| Capital ratio | 10.34% (stronger) | 9.63% |
| Problem loans | 0.40% | 0.18% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 0.49% (stronger) | 0.42% |
| Loans ÷ deposits | 100.0% (stronger) | 106.5% |
| Uninsured deposits | 42.7% | 36.9% (stronger) |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.1% | 3.6% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Adams Community Bank leads on 4 and Winchester Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.