Bank · FDIC insured
Winchester Savings Bank
A $1.1B bank headquartered in Winchester, MA, with 5 branches in Massachusetts. Best rates: CDs 3.75% and savings 2.65% APY.
Winchester Savings Bank Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#54 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 Savings Bank
Winchester Savings Bank is a mutual, state-chartered institution established and incorporated in Massachusetts in 1871.
The bank operates its main office at 661 Main Street, where it relocated in 1979.
- Headquarters
- 661 Main St, Winchester, MA 01890
- FDIC certificate
- 90308 ↗
Branches
5 branches in Massachusetts
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Massachusetts
5 branches
- Winchester Savings BankMain office661 Main St, Winchester, MA 01890Directions
- Arlington Branch188 Medford St, Arlington, MA 02474Directions
- Danvers Branch44 Maple Street, Danvers, MA 01923Directions
- Horn Pond Plaza Branch344 Cambridge Rd, Woburn, MA 01801Directions
- Woburn Center Branch375 Main 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 | 9.63% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.18% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.42% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $107 | $88 | — |
- CapitalLeverage ratio9.63%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.18%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.42%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$107Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 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 Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.