Bank · FDIC insured
Winchester Co-operative Bank
Top CarrotA $946.9M bank headquartered in Winchester, MA, with 2 branches in Massachusetts. Best rates: CDs 4.30% and savings 2.40% APY.
Winchester Co-operative Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 94% of U.S. banks and credit unions
#9 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Winchester Co-operative Bank
Founded in 1893, Winchester Co-operative Bank is a mutually owned, state-chartered co-operative bank headquartered in Winchester, Massachusetts.
Established to help neighbors save and buy homes, the bank serves individuals, families, and businesses in Winchester, Woburn, and surrounding communities.
- Headquarters
- 19 Church St, Winchester, MA 01890
- FDIC certificate
- 27238 ↗
Branches
2 branches in Massachusetts
Loading map…
Massachusetts
2 branches
- Winchester Co-operative BankMain office19 Church St, Winchester, MA 01890Directions
- Woburn Branch198 Lexington St, Woburn, MA 01801Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.80% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.43% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.61% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $90 | $81 | — |
- CapitalLeverage ratio11.80%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.43%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.61%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$90Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Winchester Co-operative Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.