Winchester Co-operative Bank

Headquarters: Winchester, Massachusetts
Charter: Bank
Assets: $946.9M
Fed district: Boston
Regulator: FDIC

Explore Hamilton View published fees

Compared with Massachusetts

0 of 8

compared fees are above the median.

8 below, 0 about the same.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
4th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Massachusetts median
of 8 compared; 8 below, 0 about the same
See the fees
Fee schedule read Nov 2, 2026

How these figures are measured

Call-report figures are for Winchester Co-operative Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out.	FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ)	Q2 2026 Quarter ended Jun 30, 2026	Not recorded
Fees above the Massachusetts median	Published fees above the Massachusetts median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Winchester Co-operative Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Winchester Co-operative Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service charges were 0.3% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (4th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $18K in Q2 2026, 20% above the same quarter a year earlier ($15K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
0 of 8 compared published fees sit above the Massachusetts median; 8 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

Comparison with Massachusetts medians for fees published by banks and credit unions.

NSF / Returned Item
Compared at $10, the middle of its prices
Winchester Co-operative Bank: $5 to $15
Winchester Co-operative Bank: $5 to $15
Massachusetts median: $2995 publishBoston district median: $29.25192 publishU.S. median: $302,859 publish
Wire Transfer (Domestic Out)
Winchester Co-operative Bank: $15
Winchester Co-operative Bank: $15
Massachusetts median: $25109 publishBoston district median: $25202 publishU.S. median: $252,630 publish
Stop Payment
Winchester Co-operative Bank: $12
Winchester Co-operative Bank: $12
Massachusetts median: $25127 publishBoston district median: $25240 publishU.S. median: $27.503,348 publish

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Massachusetts, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Massachusetts: Banks and credit unions headquartered in Massachusetts that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 13% from Q3 2025 to Q2 2026, to $18K. Its share of revenue, 0.3%, is below the 2.1% median for banks with $300M to $1B in assets.

Service-charge income, Q2 2026

$18K

$16KQ3 2025

$10KQ4 2025

$14KQ1 2026

$18KQ2 2026

Against the median

Share of revenue0.3% / 2.1%

Winchester Co-operative BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.

Is the lower share a matter of price, waivers, or a different mix of accounts?
Do business accounts and account analysis fees make up more of service charges than at peers?

See a free sample report

Among its peers

Winchester Co-operative Bank · $947M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$918M to $976M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Winchester Co-operative Bank(this institution)	Winchester, MA	$947M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
American Bank & Trust Company, Inc.	Bowling Green, KY	$924M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Botetourt	Buchanan, VA	$939M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central Bank	Little Rock, AR	$955M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Dream First Bank, National Association	Syracuse, KS	$964M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dundee Bank	Omaha, NE	$976M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Bank & Trust Co.	Duncan, OK	$952M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Commerce Bank	Lewisburg, TN	$935M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Community Bank of Tennessee	Shelbyville, TN	$944M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank and Trust Company of Weatherford	Weatherford, TX	$968M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Northern Bank and Trust Company	Palmerton, PA	$921M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First State Bank	Waynesboro, MS	$952M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Franklin Savings Bank	Franklin, NH	$931M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Greenfield Banking Company	Greenfield, IN	$930M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Legends Bank	Clarksville, TN	$928M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Mid-Missouri Bank	Springfield, MO	$947M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Oxford Bank	Oxford, MI	$931M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Passumpsic Savings Bank	Saint Johnsbury, VT	$934M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
StonehamBank, A Co-operative Bank	Stoneham, MA	$918M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Texas Bank	Henderson, TX	$954M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Texas Heritage National Bank	Daingerfield, TX	$936M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Farmers & Merchants Bank	Berlin, WI	$949M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Farmers Bank	Portland, TN	$943M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The First National Bank of Granbury	Granbury, TX	$946M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The First National Bank of Middle Tennessee	Mcminnville, TN	$952M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The Killbuck Savings Bank Company	Killbuck, OH	$954M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Winchester Co-operative Bank does not publish a monthly maintenance fee in the index.

The peer median is $7.98 among 12 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 22, 2026.

Monthly maintenance fee in dollars, one mark per institution

Winchester Co-operative Bank does not publish a monthly maintenance fee, so it is not on this chart.

Winchester Co-operative B…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 22, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Winchester Co-operative Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $18K
vs prior quarter: +$4K+28.6%; from Q1 2026
vs a year earlier: +$3K+20.0%; from Q2 2025
vs start of range: +$1K+5.9%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Winchester Co-operative Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$18K	+$4K	+28.6%
Q1 2026	$14K	+$4K	+40.0%
Q4 2025	$10K	−$6K	−37.5%
Q3 2025	$16K	+$1K	+6.7%
Q2 2025	$15K	−$2K	−11.8%
Q1 2025	$17K	−$1K	−5.6%
Q4 2024	$18K	+$1K	+5.9%
Q3 2024	$17K	+$2K	+13.3%

Service-charge share against its size cohort

Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Winchester Co-operative Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Winchester Co-operative Bank: 0.3%
Percentile: 4th
25th percentile: 1.2%
Median: 2.1%
75th percentile: 3.4%

Winchester Co-operative Bank 0.3%Median 2.1%Middle half 1.2% to 3.4%Peers at each share24 above 10%, counted in the last bar

Find a peer (1,412)

The 15 closest to Winchester Co-operative Bank by share.

Details

Source: FDIC BankFind Suite (call report data)
Entity: Each bank, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026)
Measure: Service charges on deposit accounts divided by revenue (net interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: ISERCHGQ / (NIMQ + NONIIQ)

Published fee schedule

Amounts from Winchester Co-operative Bank’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Nonsufficient Funds (NSF) Return Item$15
Below the U.S. middle 50% ($25 to $32 nationally)
per item
NSF Massachusetts 18/65 Accounts (each)$5
Below the U.S. middle 50% ($25 to $32 nationally)
per item

Wire Transfers

Wire Transfer – Domestic$15
Below the U.S. middle 50% ($20 to $25 nationally)
Wire Transfer – Foreign$30
Below the U.S. middle 50% ($40 to $50 nationally)

Check Services

Treasurer's CheckNo charge
Below the U.S. middle 50% ($3 to $6 nationally)
Money OrderNo charge
Below the U.S. middle 50% ($2 to $3 nationally)
Stop Payment$12
Below the U.S. middle 50% ($20 to $30 nationally)
per item
Stop Payment series$12
Below the U.S. middle 50% ($20 to $30 nationally)
Copy of Check$2.50
Inside the U.S. middle 50% ($2 to $5 nationally)

Cash & Deposit

Return Deposited Item$4
Below the U.S. middle 50% ($9 to $25 nationally)
per item

Account Services

Safe Deposit Box – Box Drilling or Two Keys Lost$200
Not compared: Box drilling or key fee
Safe Deposit Box – Lost key$20
Not compared: Box drilling or key fee

Fee	Amount	Basis	Note
Account Maintenance
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Nonsufficient Funds (NSF) Return Item	$15Below the U.S. middle 50% ($25 to $32 nationally)	per item	None
NSF Massachusetts 18/65 Accounts (each)	$5Below the U.S. middle 50% ($25 to $32 nationally)	per item	None
Wire Transfers
Wire Transfer – Domestic	$15Below the U.S. middle 50% ($20 to $25 nationally)	Not stated	None
Wire Transfer – Foreign	$30Below the U.S. middle 50% ($40 to $50 nationally)	Not stated	None
Check Services
Treasurer's Check	No chargeBelow the U.S. middle 50% ($3 to $6 nationally)	Not stated	None
Money Order	No chargeBelow the U.S. middle 50% ($2 to $3 nationally)	Not stated	None
Stop Payment	$12Below the U.S. middle 50% ($20 to $30 nationally)	per item	None
Stop Payment series	$12Below the U.S. middle 50% ($20 to $30 nationally)	Not stated	None
Copy of Check	$2.50Inside the U.S. middle 50% ($2 to $5 nationally)	Not stated	None
Cash & Deposit
Return Deposited Item	$4Below the U.S. middle 50% ($9 to $25 nationally)	per item	None
Account Services
Safe Deposit Box – Box Drilling or Two Keys Lost	$200Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box – Lost key	$20Not compared: Box drilling or key fee	Not stated	None

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Winchester Co-operative Bank operates, and what regulators and customers have on file.

Branch footprint

2 offices in 1 state, $773.8M in branch deposits (June 2026)

Each dot is one office.

This bankOther banks and credit unions

Largest markets by deposits

$773.8M

Boston-Cambridge-Newton, MA-NH

0.1% of bank deposits, #44 of 100, unchanged over five years.

Largest competitors here	Deposit share
State Street Bank and Trust Company	41.7%
Bank of America, National Association	16%
Citizens Bank, National Association	10.1%
Santander Bank, N.A.	5.7%
Eastern Bank	4.1%

Fees in Winchester →

Branch count by year

Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.

Market position

In Boston-Cambridge-Newton, MA-NH, Winchester Co-operative Bank holds 0.1% of bank deposits, #44 of 100, with 2 offices.

Compare fees with the 123 Boston-Cambridge-Newton, MA-NH banks and credit unions in its home-metro peer set →

Offices in the metro

900 offices of 38 institutions shown.

Winchester Co-operative BankOther banksCredit unions

Showing 900 of 1,598 offices: the largest institutions' offices, with banks and credit unions in proportion.

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Boston-Cambridge-Newton, MA-NH metro (FDIC metro code 14460), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 33 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1State Street Bank and Trust Company41.7%
2Bank of America, National Association16.0%
3Citizens Bank, National Association10.1%
4Santander Bank, N.A.5.7%
5Eastern Bank4.1%
6TD Bank, National Association3.1%
7Rockland Trust Company2.7%
8Beacon Bank and Trust1.3%
44Winchester Co-operative Bank0.1%

9 of 100 institutions shown. $580.3B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Boston-Cambridge-Newton, MA-NH metro (FDIC metro code 14460)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 0.1% share, 2 offices, #44 of 100

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Boston-Cambridge-Newton, MA-NH metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

313 offices of 99 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

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