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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Webster, MA · FDIC certificate #90297 · RSSD 765505
WEBSTER FIVE CENTS SB is an FDIC-insured institution based in Webster, MA (FDIC certificate #90297). In its Q3 2026 Call Report it reported total assets of $1.3B, total deposits of $1.0B and net loans of $967M. Its primary federal regulator is FDIC. Its current parent is WEBFIVE FINANCIAL SERVICES INC.
Reported facts
WEBSTER FIVE CENTS SB (FDIC certificate #90297) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $1.3B |
|---|---|
| Total deposits | $1.0B |
| Net loans and leases | $967M |
| Return on assets | 0.91% |
| Return on equity | 7.73% |
| Net interest margin | 3.71% |
| Quarterly asset change | -0.21% |
| Quarterly deposit change | 0.42% |
Plain-language readout
WEBSTER FIVE CENTS SB in Webster, MA reported total assets of $1.3B, total deposits of $1.0B and net loans of $967M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 0.91%, a return on equity of 7.73%, a net interest margin of 3.71%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
Total assets fell 1.7% over the past four quarters, from $1.3B in Q3 2025 to $1.3B in Q3 2026. Total deposits fell 1.2% over the past four quarters, from $1.0B in Q3 2025 to $1.0B in Q3 2026. Net loans fell 2.9% over the past four quarters, from $995M in Q3 2025 to $967M in Q3 2026.
Total assets rose 26.3% over the past five years, from $1.0B in Q3 2021 to $1.3B in Q3 2026. Total deposits rose 11.9% over the past five years, from $898M in Q3 2021 to $1.0B in Q3 2026. Net loans rose 32.8% over the past five years, from $728M in Q3 2021 to $967M in Q3 2026.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $1.3B | $1.0B | $967M | 0.91% | 7.73% | 3.71% |
| Q2 2026 | $1.3B | $1.0B | $971M | 0.87% | 7.35% | 3.71% |
| Q1 2026 | $1.3B | $1.0B | $982M | 0.73% | 6.26% | 3.59% |
| Q4 2025 | $1.3B | $993M | $986M | 0.73% | 6.59% | 3.48% |
| Q3 2025 | $1.3B | $1.0B | $995M | 0.76% | 7.00% | 3.42% |
| Q2 2025 | $1.3B | $1.0B | $1.0B | 0.72% | 6.71% | 3.33% |
| Q1 2025 | $1.3B | $988M | $996M | 0.72% | 6.72% | 3.22% |
| Q4 2024 | $1.3B | $981M | $999M | 0.54% | 5.11% | 3.17% |
| Q3 2024 | $1.3B | $976M | $967M | 0.54% | 5.08% | 3.14% |
| Q2 2024 | $1.2B | $968M | $960M | 0.45% | 4.26% | 3.09% |
| Q1 2024 | $1.3B | $962M | $957M | 0.38% | 3.69% | 3.08% |
| Q4 2023 | $1.2B | $956M | $952M | 0.78% | 7.46% | 3.26% |
Line-by-line detail on this page is rebuilt from the Q2 2026 Call Report schedules and earlier quarters. Peer comparisons use banks with $1-10 billion in assets for the same quarter.
All ratios
| Ratio | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | Trend | Peer median | Position among peers |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credit and capital | |||||||||||||||
| Texas ratio (gross) | 1.47% | 0.79% | 2.15% | 2.13% | 2.14% | 1.57% | 2.72% | 6.23% | 5.56% | 4.64% | 7.08% | 2.76% | Up 1.29 pts since Q3 2023 | 3.79% | Top 50% 39th percentile of 894 peers, lower is better |
| Texas ratio (adjusted) | 1.47% | 0.79% | 2.15% | 2.13% | 2.14% | 1.57% | 2.72% | 6.23% | 5.56% | 4.64% | 7.08% | 2.76% | Up 1.29 pts since Q3 2023 | 3.62% | Top 50% 40th percentile of 894 peers, lower is better |
| Texas ratio (adjusted, with performing restructured) | 1.47% | 0.79% | 2.15% | 2.13% | 2.14% | 1.57% | 2.72% | 6.23% | 5.56% | 4.64% | 7.08% | 2.76% | Up 1.29 pts since Q3 2023 | 4.13% | Top 50% 38th percentile of 674 peers, lower is better |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not enough quarters | Not reported | Not reported |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not enough quarters | Not reported | Not reported |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not enough quarters | Not reported | Not reported |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not reported | Not enough quarters | Not reported | Not reported |
| Tier 1 leverage (approximate) | 11.55% | 11.52% | 11.41% | 11.36% | 11.50% | 11.53% | 11.51% | 11.55% | 11.84% | 12.11% | 12.34% | 12.52% | Up 0.97 pts since Q3 2023 | 10.52% | Top 50% 80th percentile of 895 peers, higher is better |
| Construction and land loans to total capital | 76.29% | 83.43% | 86.97% | 90.08% | 91.28% | 95.78% | 86.47% | 78.48% | 72.42% | 71.05% | 61.88% | 59.17% | Down 17.12 pts since Q3 2023 | 43.55% | 21–35% 68th percentile of 895 peers, lower is better |
| Commercial real estate to total capital | 363.65% | 373.38% | 384.75% | 385.14% | 383.00% | 388.89% | 380.29% | 376.27% | 365.35% | 355.29% | 355.85% | 340.64% | Down 23.01 pts since Q3 2023 | 221.71% | Bottom 20% 89th percentile of 895 peers, lower is better |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | Flat since Q3 2023 | 31.10% | No band 0th percentile of 880 peers |
| Securities unrealized gain (loss) to Tier 1 capital | -16.56% | -11.60% | -11.97% | -11.76% | -7.63% | -10.42% | -8.27% | -7.17% | -5.77% | -5.03% | -5.64% | -5.91% | Up 10.65 pts since Q3 2023 | -7.13% | Top 50% 56th percentile of 895 peers, higher is better |
| Liquidity | |||||||||||||||
| Loans to core deposits | 101.17% | 106.00% | 105.74% | 105.17% | 106.33% | 109.61% | 108.17% | 107.33% | 103.34% | 105.23% | 102.58% | 102.54% | Up 1.36 pts since Q3 2023 | 99.40% | No band 56th percentile of 890 peers |
| Loans to deposits | 96.08% | 100.42% | 100.35% | 100.07% | 100.10% | 102.65% | 101.61% | 101.36% | 98.74% | 100.18% | 97.76% | 97.70% | Up 1.61 pts since Q3 2023 | 87.39% | No band 80th percentile of 890 peers |
| Brokered deposits share of deposits | 2.08% | 2.08% | 2.07% | 2.06% | 3.06% | 3.04% | 3.02% | 2.99% | 1.96% | 2.01% | 1.97% | 2.00% | Down 0.08 pts since Q3 2023 | 1.62% | 36–50% 52nd percentile of 890 peers, lower is better |
| Pledged securities share of securities | 17.97% | 19.63% | 19.47% | 18.80% | 18.55% | 18.89% | 17.86% | 16.83% | 16.31% | 18.55% | 18.18% | 27.58% | Up 9.61 pts since Q3 2023 | 46.20% | No band 32nd percentile of 883 peers |
| Loans pledged, share of loans | 77.25% | 74.19% | 77.92% | 73.90% | 75.86% | 77.76% | 81.54% | 88.89% | 88.54% | 85.16% | 78.86% | 78.51% | Up 1.26 pts since Q3 2023 | 45.28% | No band 87th percentile of 885 peers |
| Yield and cost | |||||||||||||||
| Yield on loans and leases | Not reported | 5.49% | 5.50% | 5.57% | 5.81% | 5.75% | 5.52% | 5.74% | 5.92% | 5.83% | 5.57% | 5.90% | Up 0.42 pts since Q4 2023 | 6.22% | No band 30th percentile of 887 peers |
| Yield on interest-bearing balances due from banks | Not reported | 3.25% | 2.62% | 3.49% | 3.26% | 2.31% | 1.92% | 2.09% | 2.44% | 1.93% | 1.60% | 2.13% | Down 1.12 pts since Q4 2023 | 3.68% | No band 4th percentile of 894 peers |
| Total interest income to average assets | Not reported | 4.72% | 4.78% | 4.86% | 5.08% | 5.03% | 4.84% | 5.02% | 5.17% | 5.03% | 4.88% | 5.11% | Up 0.39 pts since Q4 2023 | 5.25% | No band 41st percentile of 895 peers |
| Cost of interest-bearing transaction accounts | Not reported | 0.18% | 0.38% | 0.85% | 0.94% | 0.68% | 0.58% | 0.63% | 0.68% | 0.67% | 0.57% | 0.83% | Up 0.65 pts since Q4 2023 | 1.39% | Top 50% 31st percentile of 878 peers, lower is better |
| Cost of savings and money market deposits | Not reported | 2.04% | 2.07% | 2.19% | 2.33% | 2.13% | 1.96% | 1.98% | 2.12% | 1.83% | 1.67% | 1.73% | Down 0.30 pts since Q4 2023 | 1.94% | Top 50% 41st percentile of 883 peers, lower is better |
| Cost of time deposits | Not reported | 4.06% | 4.19% | 4.36% | 4.91% | 4.31% | 4.13% | 3.96% | 4.09% | 3.73% | 3.50% | 3.45% | Down 0.61 pts since Q4 2023 | 3.51% | Top 50% 41st percentile of 881 peers, lower is better |
| Total interest expense to average assets | Not reported | 1.78% | 1.90% | 2.00% | 2.09% | 1.94% | 1.84% | 1.83% | 1.78% | 1.61% | 1.50% | 1.52% | Down 0.26 pts since Q4 2023 | 1.76% | Top 50% 31st percentile of 895 peers, lower is better |
Ratios are rebuilt from Call Report fields for each quarter. Trend compares the latest quarter with the oldest quarter shown. Year-to-date ratios restart each January.
Balance sheet
| Line | Amount | Share of assets | Peer median share | Position among peers | Change from prior quarter |
|---|---|---|---|---|---|
| Cash and balances due from depository institutions | $28.2M | 2.15% | 5.37% | No band 18th percentile of 895 peers | -$952K |
| Federal funds sold | $845K | 0.06% | 0.00% | No band 80th percentile of 895 peers | -$140K |
| Securities purchased under agreements to resell | $0K | 0.00% | 0.00% | No band 0th percentile of 895 peers | $0K |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $235.5M | 17.97% | 14.71% | No band 63rd percentile of 895 peers | +$9.6M |
| Equity securities with readily determinable fair values, not held for trading | $0K | 0.00% | 0.00% | No band 0th percentile of 895 peers | $0K |
| Loans and leases held for sale | $908K | 0.07% | 0.03% | No band 62nd percentile of 895 peers | -$784K |
| Net loans and leases (after allowance) | $970.0M | 74.05% | 72.59% | No band 56th percentile of 895 peers | -$10.8M |
| Trading assets | $0K | 0.00% | 0.00% | No band 0th percentile of 895 peers | $0K |
| Premises and fixed assets | $26.3M | 2.01% | 1.20% | No band 83rd percentile of 895 peers | -$248K |
| Other real estate owned | $0K | 0.00% | 0.00% | No band 0th percentile of 895 peers | $0K |
| Investments in unconsolidated subsidiaries and associated companies | $0K | 0.00% | 0.00% | No band 0th percentile of 895 peers | $0K |
| Direct and indirect investments in real estate ventures | $0K | 0.00% | 0.00% | No band 0th percentile of 895 peers | $0K |
| Intangible assets (goodwill, servicing, other) | $0K | 0.00% | 0.26% | No band 0th percentile of 895 peers | $0K |
| All other assets | $48.2M | 3.68% | 3.01% | No band 72nd percentile of 895 peers | +$481K |
| Total assets | $1.31B | 100.00% | Not reported | Not reported | -$2.8M |
| Line | Amount | Share of assets | Peer median share | Position among peers | Change from prior quarter |
|---|---|---|---|---|---|
| Total deposits | $1.00B | 76.40% | 85.16% | No band 12th percentile of 895 peers | -$10.7M |
| Federal funds purchased | $0K | 0.00% | 0.00% | No band 0th percentile of 895 peers | $0K |
| Securities sold under agreements to repurchase | $0K | 0.00% | 0.00% | No band 0th percentile of 895 peers | $0K |
| Trading liabilities | $0K | 0.00% | 0.00% | No band 0th percentile of 895 peers | $0K |
| Other borrowed money | $135.4M | 10.33% | 1.83% | No band 90th percentile of 895 peers | +$3.0M |
| Subordinated notes and debentures | $0K | 0.00% | 0.00% | No band 0th percentile of 895 peers | $0K |
| All other liabilities | $17.2M | 1.31% | 0.90% | No band 77th percentile of 895 peers | +$2.1M |
| Total liabilities | $1.15B | 88.05% | Not reported | Not reported | -$5.6M |
| Line | Amount | Share of assets | Peer median share | Position among peers | Change from prior quarter |
|---|---|---|---|---|---|
| Perpetual preferred stock | $0K | 0.00% | 0.00% | No band 0th percentile of 895 peers | $0K |
| Common stock | $10K | 0.00% | 0.05% | No band 16th percentile of 895 peers | $0K |
| Surplus | $0K | 0.00% | 3.30% | No band 0th percentile of 895 peers | $0K |
| Retained earnings | $163.8M | 12.50% | 7.10% | No band 91st percentile of 895 peers | +$3.3M |
| Accumulated other comprehensive income | -$7.2M | -0.55% | -0.50% | No band 47th percentile of 895 peers | -$466K |
| Other equity components | $0K | 0.00% | 0.00% | No band 100th percentile of 895 peers | $0K |
| Total equity capital | $156.6M | 11.95% | Not reported | Not reported | +$2.8M |
Each line is a reported Call Report field. Lines are checked against the reported totals; a note appears if they do not add up. Peer shares by line are not shown yet: see fields still being confirmed.
Earnings power
Earnings before provision shows what the bank earns before setting money aside for loan losses. It is year to date and derived by OptimaYield, not a line on the Call Report.
| Line | Year to date | Call Report fields |
|---|---|---|
| Net interest income | $22.7M | RIAD4074 |
| plus non-interest income | $3.1M | RIAD4079 |
| less non-interest expense | $18.0M | RIAD4093 |
| Earnings before provision (derived) | $7.8M | RIAD4074, RIAD4079, RIAD4093 |
| less provision for credit losses | $544K | RIADJJ33 |
| Income before income taxes (as reported) | $7.3M | RIAD4301 |
Check: earnings before provision less the provision matches reported pre-tax income. Formula: Net interest income + non-interest income - non-interest expense. This is not a Call Report line; OptimaYield derives it. Reported pre-tax income also includes securities gains and losses, shown separately.
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $28.2M | $29.2M | -$952K | -3.3% |
| Federal funds sold | $845K | $985K | -$140K | -14.2% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $235.5M | $225.9M | +$9.6M | +4.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $908K | $1.7M | -$784K | -46.3% |
| Net loans and leases (after allowance) | $970.0M | $980.7M | -$10.8M | -1.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $26.3M | $26.6M | -$248K | -0.9% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $48.2M | $47.8M | +$481K | +1.0% |
| Total assets | $1.31B | $1.31B | -$2.8M | -0.2% |
| Liabilities | ||||
| Total deposits | $1.00B | $1.01B | -$10.7M | -1.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $135.4M | $132.4M | +$3.0M | +2.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $17.2M | $15.0M | +$2.1M | +14.1% |
| Total liabilities | $1.15B | $1.16B | -$5.6M | -0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $10K | $10K | $0K | 0.0% |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $163.8M | $160.5M | +$3.3M | +2.0% |
| Accumulated other comprehensive income | -$7.2M | -$6.7M | -$466K | -7.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $156.6M | $153.8M | +$2.8M | +1.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $4.5M | $11.5M | -$6.9M | -60.3% |
| Adjusted nonperforming assets | $4.5M | $11.5M | -$6.9M | -60.3% |
| Tangible equity plus allowance | $164.4M | $162.0M | +$2.5M | +1.5% |
| Texas ratio (gross) | 2.76% | 7.08% | -4.31 pts | See points |
| Texas ratio (adjusted) | 2.76% | 7.08% | -4.31 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.76% | 7.08% | -4.31 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.52% | 12.34% | +0.18 pts | See points |
| Construction and land loans to total capital | 59.17% | 61.88% | -2.71 pts | See points |
| Commercial real estate to total capital | 340.64% | 355.85% | -15.22 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -5.91% | -5.64% | -0.27 pts | See points |
| Liquidity | ||||
| Core deposits | $953.6M | $964.1M | -$10.4M | -1.1% |
| Non-core funding | $182.6M | $179.9M | +$2.7M | +1.5% |
| Loans to core deposits | 102.54% | 102.58% | -0.04 pts | See points |
| Loans to deposits | 97.70% | 97.76% | -0.06 pts | See points |
| Brokered deposits share of deposits | 2.00% | 1.97% | +0.02 pts | See points |
| Pledged securities share of securities | 27.58% | 18.18% | +9.40 pts | See points |
| Loans pledged, share of loans | 78.51% | 78.86% | -0.35 pts | See points |
| Volatile liabilities | $182.6M | $179.9M | +$2.7M | +1.5% |
| Earnings | ||||
| Earnings before provision, year to date | $7.8M | $3.5M | +$4.3M | +120.8% |
| Earnings before provision, single quarter | $4.3M | $3.5M | +$738K | +20.8% |
| Provision for credit losses, year to date | $544K | $489K | +$55K | +11.2% |
| Yield and cost | ||||
| Yield on loans and leases | 5.90% | 5.57% | +0.33 pts | See points |
| Yield on interest-bearing balances due from banks | 2.13% | 1.60% | +0.54 pts | See points |
| Total interest income to average assets | 5.11% | 4.88% | +0.23 pts | See points |
| Cost of interest-bearing transaction accounts | 0.83% | 0.57% | +0.25 pts | See points |
| Cost of savings and money market deposits | 1.73% | 1.67% | +0.06 pts | See points |
| Cost of time deposits | 3.45% | 3.50% | -0.05 pts | See points |
| Total interest expense to average assets | 1.52% | 1.50% | +0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
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