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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.
Plain-language readout
WEBSTER FIVE CENTS SB is compared with 890 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Brokered deposits to domestic deposits: WEBSTER FIVE CENTS SB reported 0.020, in the 52.2th percentile of 890 peers, where the median is 0.016. Selected CRE loans to gross loans and leases: WEBSTER FIVE CENTS SB reported 0.696, in the 91.1th percentile of 862 peers, where the median is 0.468. Domestic secured CRE noncurrent ratio: WEBSTER FIVE CENTS SB reported 0.001, in the 36.7th percentile of 872 peers, where the median is 0.003. Deposit funding ratio: WEBSTER FIVE CENTS SB reported 0.764, in the 11.4th percentile of 902 peers, where the median is 0.850. Nontrading derivative fair value to assets: WEBSTER FIVE CENTS SB reported 0.002, in the 90.2th percentile of 533 peers, where the median is 0.000. Unadjusted YTD efficiency ratio: WEBSTER FIVE CENTS SB reported 0.697, in the 78.1th percentile of 887 peers, where the median is 0.596. Bank equity to assets: WEBSTER FIVE CENTS SB reported 0.120, in the 74.7th percentile of 894 peers, where the median is 0.104. Cash and securities to assets: WEBSTER FIVE CENTS SB reported 0.201, in the 47.7th percentile of 895 peers, where the median is 0.208. Quarterly loan growth: WEBSTER FIVE CENTS SB reported -0.012, in the 10.5th percentile of 886 peers, where the median is 0.018. Loan-to-asset ratio: WEBSTER FIVE CENTS SB reported 0.741, in the 53.9th percentile of 902 peers, where the median is 0.732. Domestic loans to domestic deposits: WEBSTER FIVE CENTS SB reported 0.978, in the 78.7th percentile of 890 peers, where the median is 0.881. Net interest margin: WEBSTER FIVE CENTS SB reported 3.711, in the 50.5th percentile of 902 peers, where the median is 3.704. Net loans and leases: WEBSTER FIVE CENTS SB reported 970883.000, in the 30.2th percentile of 902 peers, where the median is 1384981.000. Nonaccrual loans ratio: WEBSTER FIVE CENTS SB reported 0.005, in the 48.6th percentile of 887 peers, where the median is 0.005. Noncurrent loans ratio: WEBSTER FIVE CENTS SB reported 0.005, in the 45.4th percentile of 887 peers, where the median is 0.005. Return on assets: WEBSTER FIVE CENTS SB reported 0.867, in the 21.6th percentile of 902 peers, where the median is 1.260. Return on equity: WEBSTER FIVE CENTS SB reported 7.350, in the 17.6th percentile of 894 peers, where the median is 12.185. Securities to assets: WEBSTER FIVE CENTS SB reported 0.180, in the 62.6th percentile of 895 peers, where the median is 0.147. Selected unused commitments to assets: WEBSTER FIVE CENTS SB reported 0.035, in the 65.6th percentile of 417 peers, where the median is 0.025. Time deposits maturing within one year: WEBSTER FIVE CENTS SB reported 0.763, in the 18.5th percentile of 880 peers, where the median is 0.914. Total assets: WEBSTER FIVE CENTS SB reported 1309969.000, in the 22.9th percentile of 902 peers, where the median is 2016575.000. Total deposits: WEBSTER FIVE CENTS SB reported 1000857.000, in the 16.6th percentile of 902 peers, where the median is 1666886.000. Efficiency ratio (official UBPR): WEBSTER FIVE CENTS SB reported 0.696, in the 78.7th percentile of 875 peers, where the median is 0.591. Net interest margin (official UBPR): WEBSTER FIVE CENTS SB reported 0.037, in the 52.7th percentile of 875 peers, where the median is 0.036. Interest Income (TE) as a percent of Average Assets: WEBSTER FIVE CENTS SB reported 0.050, in the 34.2th percentile of 875 peers, where the median is 0.052. Interest Expense as a percent of Average Assets: WEBSTER FIVE CENTS SB reported 0.015, in the 30.8th percentile of 875 peers, where the median is 0.018. Net Interest Income (TE) % of Avg Assets: WEBSTER FIVE CENTS SB reported 0.035, in the 50.3th percentile of 875 peers, where the median is 0.035. Noninterest Income as a percent of Average Assets: WEBSTER FIVE CENTS SB reported 0.005, in the 36.7th percentile of 875 peers, where the median is 0.006. Non-Interest Expense as a percent of Average Assets: WEBSTER FIVE CENTS SB reported 0.028, in the 69.5th percentile of 875 peers, where the median is 0.024. Provision for Loan Losses % of Avg Assets: WEBSTER FIVE CENTS SB reported 0.001, in the 46.8th percentile of 875 peers, where the median is 0.001. Pretax Operating Income (TE) % of Avg Assets: WEBSTER FIVE CENTS SB reported 0.011, in the 21.9th percentile of 875 peers, where the median is 0.016. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: WEBSTER FIVE CENTS SB reported 0.000, in the 8.6th percentile of 875 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: WEBSTER FIVE CENTS SB reported 0.011, in the 21.2th percentile of 875 peers, where the median is 0.016. Net Operating Income as a percent of Average Assets: WEBSTER FIVE CENTS SB reported 0.009, in the 20.5th percentile of 875 peers, where the median is 0.013. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: WEBSTER FIVE CENTS SB reported 0.009, in the 20.8th percentile of 875 peers, where the median is 0.012. Average Earning Assets as a percent of Average Assets: WEBSTER FIVE CENTS SB reported 0.949, in the 36.8th percentile of 875 peers, where the median is 0.956. Average Interest-Bearing Funds as a percent of Average Assets: WEBSTER FIVE CENTS SB reported 0.694, in the 37.1th percentile of 875 peers, where the median is 0.723. Interest Income (TE) as a percent of Average Earning Assets: WEBSTER FIVE CENTS SB reported 0.053, in the 36.5th percentile of 875 peers, where the median is 0.055. Net Interest Income (TE) as a percent of Average Earning Assets: WEBSTER FIVE CENTS SB reported 0.037, in the 51.1th percentile of 875 peers, where the median is 0.037. Net Loss as a percent of Average Total Loans and Leases: WEBSTER FIVE CENTS SB reported 0.005, in the 92.1th percentile of 867 peers, where the median is 0.000. Total LN&LS-30-89 DAYS Past Due %: WEBSTER FIVE CENTS SB reported 0.013, in the 93.4th percentile of 867 peers, where the median is 0.003. Net Loans & Leases as a percent of Total Deposits: WEBSTER FIVE CENTS SB reported 0.970, in the 79.4th percentile of 870 peers, where the median is 0.872. Net Income Attributed to Minority Interests as a percent of Average Assets: WEBSTER FIVE CENTS SB reported 0.000, in the 0.3th percentile of 875 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: WEBSTER FIVE CENTS SB reported 0.000, in the 4.7th percentile of 875 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: WEBSTER FIVE CENTS SB reported 0.000, in the 70.5th percentile of 875 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): WEBSTER FIVE CENTS SB reported 0.012, in the 21.2th percentile of 875 peers, where the median is 0.017. Return on assets (official UBPR): WEBSTER FIVE CENTS SB reported 0.009, in the 20.6th percentile of 875 peers, where the median is 0.013. Return on equity (official UBPR): WEBSTER FIVE CENTS SB reported 0.073, in the 17.1th percentile of 874 peers, where the median is 0.122. Estimated uninsured to domestic deposits: WEBSTER FIVE CENTS SB reported 0.390, in the 70.7th percentile of 829 peers, where the median is 0.310.
Peer history below covers 22 quarters of WEBSTER FIVE CENTS SB's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.020 | 0.016 | 52.2th | 890 |
| Selected CRE loans to gross loans and leases | 0.696 | 0.468 | 91.1th | 862 |
| Domestic secured CRE noncurrent ratio | 0.001 | 0.003 | 36.7th | 872 |
| Deposit funding ratio | 0.764 | 0.850 | 11.4th | 902 |
| Nontrading derivative fair value to assets | 0.002 | 0.000 | 90.2th | 533 |
| Unadjusted YTD efficiency ratio | 0.697 | 0.596 | 78.1th | 887 |
| Bank equity to assets | 0.120 | 0.104 | 74.7th | 894 |
| Cash and securities to assets | 0.201 | 0.208 | 47.7th | 895 |
| Quarterly loan growth | -0.012 | 0.018 | 10.5th | 886 |
| Loan-to-asset ratio | 0.741 | 0.732 | 53.9th | 902 |
| Domestic loans to domestic deposits | 0.978 | 0.881 | 78.7th | 890 |
| Net interest margin | 3.711 | 3.704 | 50.5th | 902 |
| Net loans and leases | 970883.000 | 1384981.000 | 30.2th | 902 |
| Nonaccrual loans ratio | 0.005 | 0.005 | 48.6th | 887 |
| Noncurrent loans ratio | 0.005 | 0.005 | 45.4th | 887 |
| Return on assets | 0.867 | 1.260 | 21.6th | 902 |
| Return on equity | 7.350 | 12.185 | 17.6th | 894 |
| Securities to assets | 0.180 | 0.147 | 62.6th | 895 |
| Selected unused commitments to assets | 0.035 | 0.025 | 65.6th | 417 |
| Time deposits maturing within one year | 0.763 | 0.914 | 18.5th | 880 |
| Total assets | 1309969.000 | 2016575.000 | 22.9th | 902 |
| Total deposits | 1000857.000 | 1666886.000 | 16.6th | 902 |
| Efficiency ratio (official UBPR) | 0.696 | 0.591 | 78.7th | 875 |
| Net interest margin (official UBPR) | 0.037 | 0.036 | 52.7th | 875 |
| Interest Income (TE) as a percent of Average Assets | 0.050 | 0.052 | 34.2th | 875 |
| Interest Expense as a percent of Average Assets | 0.015 | 0.018 | 30.8th | 875 |
| Net Interest Income (TE) % of Avg Assets | 0.035 | 0.035 | 50.3th | 875 |
| Noninterest Income as a percent of Average Assets | 0.005 | 0.006 | 36.7th | 875 |
| Non-Interest Expense as a percent of Average Assets | 0.028 | 0.024 | 69.5th | 875 |
| Provision for Loan Losses % of Avg Assets | 0.001 | 0.001 | 46.8th | 875 |
| Pretax Operating Income (TE) % of Avg Assets | 0.011 | 0.016 | 21.9th | 875 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 8.6th | 875 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.011 | 0.016 | 21.2th | 875 |
| Net Operating Income as a percent of Average Assets | 0.009 | 0.013 | 20.5th | 875 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.009 | 0.012 | 20.8th | 875 |
| Average Earning Assets as a percent of Average Assets | 0.949 | 0.956 | 36.8th | 875 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.694 | 0.723 | 37.1th | 875 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.053 | 0.055 | 36.5th | 875 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.037 | 0.037 | 51.1th | 875 |
| Net Loss as a percent of Average Total Loans and Leases | 0.005 | 0.000 | 92.1th | 867 |
| Total LN&LS-30-89 DAYS Past Due % | 0.013 | 0.003 | 93.4th | 867 |
| Net Loans & Leases as a percent of Total Deposits | 0.970 | 0.872 | 79.4th | 870 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.3th | 875 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 4.7th | 875 |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 70.5th | 875 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.012 | 0.017 | 21.2th | 875 |
| Return on assets (official UBPR) | 0.009 | 0.013 | 20.6th | 875 |
| Return on equity (official UBPR) | 0.073 | 0.122 | 17.1th | 874 |
| Estimated uninsured to domestic deposits | 0.390 | 0.310 | 70.7th | 829 |
Peers
| Ratio | Value | Peer median | Percentile | Band | Direction |
|---|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.020 | 0.016 | 52 | 36–50% | lower is better |
| Selected CRE loans to gross loans and leases | 0.696 | 0.468 | 91 | No band | no single better direction |
| Domestic secured CRE noncurrent ratio | 0.001 | 0.003 | 37 | Top 50% | lower is better |
| Deposit funding ratio | 0.764 | 0.850 | 11 | No band | no single better direction |
| Nontrading derivative fair value to assets | 0.002 | 0.000 | 90 | No band | no single better direction |
| Unadjusted YTD efficiency ratio | 0.697 | 0.596 | 78 | 21–35% | lower is better |
| Bank equity to assets | 0.120 | 0.104 | 75 | Top 50% | higher is better |
| Cash and securities to assets | 0.201 | 0.208 | 48 | 36–50% | higher is better |
| Quarterly loan growth | -0.012 | 0.018 | 11 | No band | no single better direction |
| Loan-to-asset ratio | 0.741 | 0.732 | 54 | No band | no single better direction |
| Domestic loans to domestic deposits | 0.978 | 0.881 | 79 | No band | no single better direction |
| Net interest margin | 3.711 | 3.704 | 50 | Top 50% | higher is better |
| Net loans and leases | 970883.000 | 1384981.000 | 30 | No band | no single better direction |
| Nonaccrual loans ratio | 0.005 | 0.005 | 49 | Top 50% | lower is better |
| Noncurrent loans ratio | 0.005 | 0.005 | 45 | Top 50% | lower is better |
| Return on assets | 0.867 | 1.260 | 22 | 21–35% | higher is better |
| Return on equity | 7.350 | 12.185 | 18 | Bottom 20% | higher is better |
| Securities to assets | 0.180 | 0.147 | 63 | No band | no single better direction |
| Selected unused commitments to assets | 0.035 | 0.025 | 66 | No band | no single better direction |
| Time deposits maturing within one year | 0.763 | 0.914 | 19 | No band | no single better direction |
| Total assets | 1309969.000 | 2016575.000 | 23 | No band | no single better direction |
| Total deposits | 1000857.000 | 1666886.000 | 17 | No band | no single better direction |
| Efficiency ratio (official UBPR) | 0.696 | 0.591 | 79 | 21–35% | lower is better |
| Net interest margin (official UBPR) | 0.037 | 0.036 | 53 | No band | no single better direction |
| Interest Income (TE) as a percent of Average Assets | 0.050 | 0.052 | 34 | No band | no single better direction |
| Interest Expense as a percent of Average Assets | 0.015 | 0.018 | 31 | No band | no single better direction |
| Net Interest Income (TE) % of Avg Assets | 0.035 | 0.035 | 50 | No band | no single better direction |
| Noninterest Income as a percent of Average Assets | 0.005 | 0.006 | 37 | No band | no single better direction |
| Non-Interest Expense as a percent of Average Assets | 0.028 | 0.024 | 69 | No band | no single better direction |
| Provision for Loan Losses % of Avg Assets | 0.001 | 0.001 | 47 | No band | no single better direction |
| Pretax Operating Income (TE) % of Avg Assets | 0.011 | 0.016 | 22 | No band | no single better direction |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 9 | No band | no single better direction |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.011 | 0.016 | 21 | No band | no single better direction |
| Net Operating Income as a percent of Average Assets | 0.009 | 0.013 | 20 | No band | no single better direction |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.009 | 0.012 | 21 | No band | no single better direction |
| Average Earning Assets as a percent of Average Assets | 0.949 | 0.956 | 37 | No band | no single better direction |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.694 | 0.723 | 37 | No band | no single better direction |
| Interest Income (TE) as a percent of Average Earning Assets | 0.053 | 0.055 | 36 | No band | no single better direction |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.037 | 0.037 | 51 | No band | no single better direction |
| Net Loss as a percent of Average Total Loans and Leases | 0.005 | 0.000 | 92 | No band | no single better direction |
| Total LN&LS-30-89 DAYS Past Due % | 0.013 | 0.003 | 93 | No band | no single better direction |
| Net Loans & Leases as a percent of Total Deposits | 0.970 | 0.872 | 79 | No band | no single better direction |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0 | No band | no single better direction |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 5 | No band | no single better direction |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 70 | No band | no single better direction |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.012 | 0.017 | 21 | No band | no single better direction |
| Return on assets (official UBPR) | 0.009 | 0.013 | 21 | No band | no single better direction |
| Return on equity (official UBPR) | 0.073 | 0.122 | 17 | No band | no single better direction |
| Estimated uninsured to domestic deposits | 0.390 | 0.310 | 71 | 21–35% | lower is better |
Peers
| Measure | This bank | Change in peer median | Difference | Peer percentile today |
|---|---|---|---|---|
| Total assets | -0.92% | 0.93% | -1.85 pts | 23 |
| Total deposits | -0.02% | 0.47% | -0.49 pts | 17 |
| Net loans and leases | -3.42% | -2.40% | -1.02 pts | 30 |
The peer figure is the change in the peer-group median, which is not the same as the median of each peer's own growth. Treat it as a guide to whether the bank is growing faster or slower than its group.
Peers
Share of the 15 closest banks by size (in the same state) that grew or shrank last quarter.
| Measure | Growing | Shrinking | Banks reporting |
|---|---|---|---|
| Total assets | 53.33% | 46.67% | 15 |
| Total deposits | 57.14% | 42.86% | 14 |
| Net loans and leases | 64.29% | 35.71% | 14 |
Quarter-over-quarter change from each bank's latest filing. A bank with no change counts in neither column. Credit events such as new nonaccrual loans need each peer's own filings and are not shown here.
Based on the 15 closest banks by size.
Peer interpretation
$1B–$10B asset cohort · 895 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 890 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2023-12 | 2024-03 | 2024-06 | 2024-09 | 2024-12 | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assetsASSET | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
| Total depositsDEP | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
| Net loansLNLSNET | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Return on assetsROA | P25–75 | < P25 | < P25 | < P25 | < P25 | P25–75 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
| Return on equityROE | P25–75 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — |
| Net interest marginNIMY | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.