Unverified listing What this means
The Lender Report built this page from public records. Winchester Co-operative Bank has not reviewed it. Every lender's page starts this way, and it says nothing about Winchester Co-operative Bank itself. Each figure shows its source and date. Work at Winchester Co-operative Bank? You can claim this page for free.
Savings institution, Winchester, MA
Winchester Co-operative Bank
A savings institution based in Winchester, MA. Its commercial book is led by construction and non-owner-occupied CRE. Public files show recent multifamily and 1-4 unit investor loans it made.
- Kind
- Savings institution
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $108M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 3
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $947M
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 781-729-3620 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.wcbonline.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- wcbonline.comFrom the lender's website, retrieved November 11, 2026.
- Address
- 19 Church St, Winchester, MA 01890FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 44.0% to $23.8M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Multifamily balance rose 24.7% to $23.7M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Suffolk County, MA | Purchase, 5 to 24 units | $2.1M | HMDA 2025 | |||
| 2025 | Worcester County, MA | Purchase, 5 to 24 units | $660K | HMDA 2025 | |||
| 2025 | Middlesex County, MA | Refinance, 5 to 24 units | $580K | HMDA 2025 | |||
| 2024 | Middlesex County, MA | Refinance, 5 to 24 units | $460K | HMDA 2024 | |||
| 3 multifamily loans made in 2025 | $3.30M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $23.7M | 3.4% | +24.7% |
| Construction and land development | $38.3M | 5.5% | -23.4% |
| Owner-occupied CRE | $21.4M | 3.1% | +0.7% |
| Non-owner-occupied CRE | $23.8M | 3.4% | +44.0% |
| Farmland | $472K | 0.1% | Not reported |
| Commercial and industrial | $648K | 0.1% | Not reported |
| Commercial total | $108M |
Reference only: $587M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $97.1M |
| Q4 2023 | $95.0M |
| Q1 2024 | $98.5M |
| Q2 2024 | $105M |
| Q3 2024 | $110M |
| Q4 2024 | $114M |
| Q1 2025 | $110M |
| Q2 2025 | $108M |
| Q3 2025 | $111M |
| Q4 2025 | $101M |
| Q1 2026 | $105M |
| Q2 2026 | $108M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 3 | $3.30M | $660K | $2.1M | HMDA, |
| Multifamily, 5 or more units | 2024 | 1 | $460K | $460K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 40 | $31.9M | $620K | HMDA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI).
Programs on record: Federal Home Loan Bank member, Boston district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Winchester Co-operative Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $12,794,000 for 1-4 family residential construction and $7,294,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $0. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 16 | $256K |
| Over $100,000 up to $250,000 | 1 | $93.0K |
| Over $250,000 up to $1 million | 1 | $299K |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 17 | $812K |
| Over $100,000 up to $250,000 | 21 | $2.73M |
| Over $250,000 up to $1 million | 36 | $14.3M |
| Original amount | Loans | Holds |
|---|---|---|
| Over $250,000 up to $500,000 | 1 | $471K |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Massachusetts HQ | 2 | 3 | 39 | 0 | 0 |
| New Hampshire | 0 | 0 | 1 | 0 | 0 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Winchester Co-operative Bank has 2 offices in 1 county and 1 state (FDIC Summary of Deposits, June 30, 2026): 2 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Middlesex County, MA | 2 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $16.9M | $11.7M to $43.3M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 76.3% | 123.3% to 316.5% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 34.1% | 37.3% to 116.2% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 89.9% | 84.2% to 109.8% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $20.1M | $15.9M to $119M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 73.5% | 69.6% to 86.7% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| OneLocal Bank | MA | $1.05B | $545M |
| Mechanics Cooperative Bank | MA | $899M | $488M |
| Coastal Heritage Bank | MA | $984M | $305M |
| MountainOne Bank | MA | $1.08B | $610M |
| Clinton Savings Bank | MA | $745M | $208M |
| The Savings Bank | MA | $891M | $210M |
| MutualOne Bank | MA | $1.22B | $581M |
| StonehamBank, A Co-operative Bank | MA | $918M | $408M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Winchester Co-operative Bank, FDIC certificate 27238. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $947M in total assets and $108M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 44 recorded loans from the HMDA file, in 2024 and 2025: 3 HMDA multifamily 2025, 1 HMDA multifamily 2024, 40 HMDA 1-4 unit investor 2025. Each has its source and date. [How each file was tied to Winchester Co-operative Bank]
- Phone and website. Phone 781-729-3620, from the lender's website on November 9, 2026. Website wcbonline.com, from the FDIC record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 27238
- RSSD
- 268976
- LEI
- 549300E4I5AJ7XJ4DL31
- The Lender Report ID
- lr_001616
- FDIC classifies this bank as
- Mortgage Lending Specialization
- Ownership
- Mutual
- Head office metro area
- Boston-Cambridge-Newton, MA-NH
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $946.9M in total assets as of June 30, 2026 (FDIC call report).
- Held $108.3M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $38.3M of construction and land loans as of June 30, 2026 (FDIC call report).
- Held $23.8M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 44.0% from a year earlier (FDIC call report).
- Held $23.7M of multifamily loans as of June 30, 2026, up 24.7% from a year earlier (FDIC call report).
- Originated 3 multifamily loans totaling $3.3M in 2025 (HMDA).
6 more sentences
- Originated 1 multifamily loan totaling $460K in 2024 (HMDA).
- Originated 40 1-4 unit investor or business-purpose loans totaling $31.9M in 2025 (HMDA).
- Listed 2 offices in 1 state (FDIC).
- Held 18 commercial and industrial loans that were $1 million or less when made, with a balance of $648K as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 74 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $17.8M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $12.8M for 1-4 family and $7.3M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Winchester Co-operative Bank, https://lender.report/lender/winchester-co-operative-bank-ma/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem