WINCHESTER CO-OPERATIVE BANK

WINCHESTER, MA · Supervised by FDIC

Est. 1893FDIC #27,238RSSD: FDIC-27238

Satisfactory Same

Current rating · Exam: January 2024

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.63%

Is this bank safe?

WINCHESTER CO-OPERATIVE BANK holds a Satisfactory CRA rating (2024), meets basic financial requirements (ROA +0.63%).

Institution Profile

FDIC BankFind

Website

www.wcbonline.com

Address

19 Church St, WINCHESTER, MA

County

Middlesex County

Established

January 1, 1893

Total Assets

$932M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Jan 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

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

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.63%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate2.96%Peer avg: 6.90%▼ Fewer than avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$713M

1-Year Change

Mortgage Lending

CFPB HMDA

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%	3.20%
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

Rating History

CRA / FFIEC

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

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/winchester-co-operative-bank"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: