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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Massachusetts, the state note

Winchester Coop Bank

Winchester, Massachusetts · $947M in assets · beside the 11 other Massachusetts banks between $300M and $1B

The filing

12.3%
CRE / loans
1st of 12
78.0%
CRE / capital
1st of 12
66.1%
Efficiency
2nd of 12

Winchester Coop Bank is the second largest of the 12 Massachusetts banks nearest its size between $300M and $1B, with $947M in assets at 30 June 2026. Loans are 89.9% of deposits, 7th of 12 against a median of 89.5%, and equity is 11.6% of assets, 3rd of 12. Loans grew +6.8% in the year, 5th of 12, and deposits grew 8.5%; the cohort's median loan growth is +5.4%.

Noncurrent loans are 0.43% of the book, 7th of 12 against a median of 0.38%; 1.20% is 30 to 89 days past due, and the allowance covers them 0.8 times. Commercial real estate is 12.3% of loans, the lowest in the cohort against a median of 34.8%, and 78% of capital, below the 300% screen, with construction at 35% against the 100% screen.

Return on assets is 0.61%, 4th of 12 against a median of 0.50%, on an efficiency ratio of 66.1%, 2nd of 12. Five years ago it was 0.42%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansMA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 34.8% WC Winchester Coop Bank 12.3% GC Greenfield Coop Bank 20.8% CH Coastal Heritage Bank 25.9% CS Clinton Savings Bank 28.1% SB Savings Bank 29.0% SA Stonehambank A Coop Bank 33.6% MS Monson Savings Bank 36.1% EB Eagle Bank 41.9% Bo Bank of Canton 43.2% MC Mechanics Coop Bank 48.3% SC Savers Coop Bank 48.8% RB Rollstone Bank & Trust 53.6%
Loans, year over yearMA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.4% EB Eagle Bank +14.6% GC Greenfield Coop Bank +7.9% MS Monson Savings Bank +7.3% MC Mechanics Coop Bank +7.0% WC Winchester Coop Bank +6.8% SB Savings Bank +6.0% SA Stonehambank A Coop Bank +4.8% Bo Bank of Canton +2.6% SC Savers Coop Bank -0.5% CS Clinton Savings Bank -2.5% CH Coastal Heritage Bank -3.3% RB Rollstone Bank & Trust -12.9%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 7 CBLR filers, Winchester Coop Bank among them; owner-occupied excluded; bold marks a screen met
Winchester Coop BankRankCohort median
Total CRE against capital, the 300% screen78%1st of 12245%
Construction against capital, the 100% screen35%4th of 1250%
Construction and land development, share of loans5.5%3rd of 127.1%
Non-owner-occupied nonfarm nonresidential, share of loans3.4%1st of 1216.1%
Total CRE, the guidance definition, share of loans12.3%1st of 1234.8%
CRE growth over 36 months, the third prong+17.0%6th of 12+17.8%
Commercial real estate against capital, the 300% screenMA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 245% WC Winchester Coop Bank 78% GC Greenfield Coop Bank 105% CH Coastal Heritage Bank 176% CS Clinton Savings Bank 186% Bo Bank of Canton 190% SB Savings Bank 223% SA Stonehambank A Coop Bank 267% MS Monson Savings Bank 292% MC Mechanics Coop Bank 314% SC Savers Coop Bank 329% EB Eagle Bank 330% RB Rollstone Bank & Trust 341%
CRE growth over 36 months, the guidance's third prongMA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +17.8% Bo Bank of Canton -18.6% RB Rollstone Bank & Trust -18.6% CS Clinton Savings Bank -3.4% CH Coastal Heritage Bank +11.3% SA Stonehambank A Coop Bank +14.0% WC Winchester Coop Bank +17.0% SB Savings Bank +18.6% SC Savers Coop Bank +20.0% MS Monson Savings Bank +23.0% GC Greenfield Coop Bank +44.3% EB Eagle Bank +64.1% MC Mechanics Coop Bank +83.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Coastal Heritage Bank$984M0.4%83.1%0.60%0.00%1.1%95.6%11.0%
Winchester Coop Bank$947M0.6%66.1%0.43%0.00%0.4%89.9%11.6%
Stonehambank A Coop Bank$918M0.5%75.7%0.32%0.00%1.0%93.0%7.7%
Greenfield Coop Bank$902M0.6%76.8%0.72%0.00%1.0%69.7%10.9%
Mechanics Coop Bank$899M1.2%61.5%0.03%0.00%0.9%109.8%13.2%
Savings Bank$891M0.4%94.4%0.17%0.00%0.8%84.2%9.4%
Rollstone Bank & Trust$816M0.1%99.1%0.20%0.00%0.9%85.4%8.6%
Monson Savings Bank$806M0.9%66.4%0.23%0.01%0.7%88.4%9.4%
Savers Coop Bank$783M0.7%70.9%3.64%0.04%1.4%108.9%10.4%
Bank of Canton$783M0.5%73.9%0.90%-0.01%1.3%81.4%14.6%
Clinton Savings Bank$745M0.3%93.2%0.50%0.66%1.2%89.1%8.0%
Eagle Bank$709M0.3%84.1%0.04%0.00%0.9%95.0%9.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Winchester Coop BankCohort median
20212026Change20212026Change
Loans$491M$696M+42%$482M$625M+30%
Deposits$661M$774M+17%$580M$701M+21%
NPA / loans0.95%0.43%-0.52 pts0.41%0.38%-0.04 pts
Efficiency70.0%66.1%-3.9 pts75.1%76.2%+1.2 pts
ROA0.42%0.61%+0.19 pts0.66%0.50%-0.16 pts

This read was prepared for Winchester Coop Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Winchester Coop Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MA banks $300M to $1B
Institution www.wcbonline.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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