Side-by-side · Q2 2026 data
OneLocal Bank vs Winchester Savings Bank
Metric by metric
| Measure | OneLocal Bank | Winchester Savings Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 59 |
| Capital cushion | 87 (stronger) | 46 |
| Loan quality | 93 | 94 (stronger) |
| Earnings | 59 (stronger) | 37 |
| Funding & liquidity | 29 | 29 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 77th | 19th |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $843.0M | $817.7M |
| Capital ratio | 13.68% (stronger) | 9.63% |
| Problem loans | 0.21% | 0.18% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 0.99% (stronger) | 0.42% |
| Loans ÷ deposits | 107.1% | 106.5% (stronger) |
| Uninsured deposits | 36.8% (stronger) | 36.9% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | 3.6% |
OneLocal Bank has the higher TellerScore (75 vs 59). On the 7 directional measures above (where higher or lower is clearly better), OneLocal Bank leads on 5 and Winchester Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.