WINCHESTER, MA · Supervised by FDIC
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$932M
Total Deposits
$760M
Net Loans
$682M
Net Income
$1M
ROA
0.63%
Above avg for Small banks. Peer avg: 0.44%
ROE
5.37%
Risk-Based Capital
0.00%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 169 | 86.98% | 2.96% |
| 2023 | 218 | 83.49% | 3.21% |
| 2022 | 268 | 85.07% | 2.99% |
| 2021 | 384 | 80.47% | 5.73% |
| 2020 | 417 | 78.9% | 6.71% |
| 2019 | 250 | 86.4% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jan 2024 | Satisfactory | Intermediate Small Bank |
| Oct 2020 | Satisfactory | Intermediate Small Bank |
| Jul 2017 | Satisfactory | Intermediate Small Bank |
9 previous ratings locked — back to 1991
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Total Branches
2
Branch Deposits
$713M
1-Year Change
0
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Preview:
| 2018 | 279 | 90.32% | 3.94% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red