Side-by-side · Q2 2026 data
MountainOne Bank vs Winchester Savings Bank
Metric by metric
| Measure | MountainOne Bank | Winchester Savings Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 59 |
| Capital cushion | 97 (stronger) | 46 |
| Loan quality | 65 | 94 (stronger) |
| Earnings | 69 (stronger) | 37 |
| Funding & liquidity | 33 (stronger) | 29 |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 70th | 19th |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $774.3M | $817.7M |
| Capital ratio | 14.75% (stronger) | 9.63% |
| Problem loans | 1.06% | 0.18% (stronger) |
| Net charge-offs | 0.16% | 0.00% (stronger) |
| Return on assets | 1.22% (stronger) | 0.42% |
| Loans ÷ deposits | 107.0% | 106.5% (stronger) |
| Uninsured deposits | 33.6% (stronger) | 36.9% |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.4% | 3.6% |
MountainOne Bank has the higher TellerScore (73 vs 59). On the 7 directional measures above (where higher or lower is clearly better), MountainOne Bank leads on 4 and Winchester Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.