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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
Deterministic ratios for WEBSTER FIVE CENTS SB from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $1.0B |
|---|---|
| Net loans and leases | $967M |
Plain-language readout
WEBSTER FIVE CENTS SB in Webster, MA funds its loans with $1.0B of deposits and holds $967M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for WEBSTER FIVE CENTS SB in Q3 2026; none is estimated.
Against banks of similar size for the same filing period: Brokered deposits to domestic deposits: 0.020 against a peer median of 0.016, a 52.2th percentile position among 890 peers. Selected CRE loans to gross loans and leases: 0.696 against a peer median of 0.468, a 91.1th percentile position among 862 peers. Domestic secured CRE noncurrent ratio: 0.001 against a peer median of 0.003, a 36.7th percentile position among 872 peers. Deposit funding ratio: 0.764 against a peer median of 0.850, a 11.4th percentile position among 902 peers.
The loan-to-deposit ratio computed from net loans and total deposits was 96.17% in Q3 2026, against 99.59% in Q4 2023. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $967M | $1.0B | 96.17% |
| Q2 2026 | $971M | $1.0B | 97.01% |
| Q1 2026 | $982M | $1.0B | 97.12% |
| Q4 2025 | $986M | $993M | 99.30% |
| Q3 2025 | $995M | $1.0B | 97.81% |
| Q2 2025 | $1.0B | $1.0B | 100.42% |
| Q1 2025 | $996M | $988M | 100.72% |
| Q4 2024 | $999M | $981M | 101.86% |
| Q3 2024 | $967M | $976M | 99.15% |
| Q2 2024 | $960M | $968M | 99.13% |
| Q1 2024 | $957M | $962M | 99.43% |
| Q4 2023 | $952M | $956M | 99.59% |
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.
Deposits
| Type | Amount | Share of deposits | Peer median share | Position among peers | Call Report fields |
|---|---|---|---|---|---|
| Transaction accounts | $308.9M | 30.87% | 37.33% | No band 35th percentile of 890 peers | RCON2215 |
| Savings deposits (excluding money market deposit accounts) | $305.6M | 30.53% | 8.46% | No band 90th percentile of 890 peers | RCON0352 |
| Money market deposit accounts | $266.9M | 26.66% | 21.68% | No band 63rd percentile of 890 peers | RCON6810 |
| Time deposits (total) | $119.5M | 11.94% | 24.47% | No band 15th percentile of 890 peers | RCON2385, RCON0352, RCON6810 |
| Time deposits of $250,000 or less | $92.2M | 9.22% | 15.94% | No band 22nd percentile of 890 peers | RCON6648, RCONJ473 |
| Time deposits over $250,000 | $27.2M | 2.72% | 7.37% | No band 14th percentile of 890 peers | RCONJ474 |
| Total deposits | $1.00B | 100.00% | Not reported | Not reported | RCON2200 |
| IRA and Keogh plan accounts (memo) | $8.7M | 0.87% | Not reported | Not reported | RCON6835 |
| Volatile liabilities | $182.6M | 18.24% | Not reported | Not reported | RCON2365, RCONJ474, RCONK220, RCON3190, RCONK223 |
The types above add up to total deposits. Volatile liabilities. OptimaYield definition: brokered deposits + time deposits over $250K - brokered over $250K (counted twice otherwise) + listing-service deposits + other borrowed money, fed funds purchased, repurchase agreements and subordinated debt.
Pricing
| Category | Q2 2026 | Q1 2026 | Peer median | Position among peers | Change |
|---|---|---|---|---|---|
| Yield on loans and leases | 5.90% | 5.57% | 6.22% | No band 30th percentile of 887 peers | +0.33 pts |
| Yield on interest-bearing balances due from banks | 2.13% | 1.60% | 3.68% | No band 4th percentile of 894 peers | +0.54 pts |
| Total interest income to average assets | 5.11% | 4.88% | 5.25% | No band 41st percentile of 895 peers | +0.23 pts |
| Cost of interest-bearing transaction accounts | 0.83% | 0.57% | 1.39% | Top 50% 31st percentile of 878 peers, lower is better | +0.25 pts |
| Cost of savings and money market deposits | 1.73% | 1.67% | 1.94% | Top 50% 41st percentile of 883 peers, lower is better | +0.06 pts |
| Cost of time deposits | 3.45% | 3.50% | 3.51% | Top 50% 41st percentile of 881 peers, lower is better | -0.05 pts |
| Total interest expense to average assets | 1.52% | 1.50% | 1.76% | Top 50% 31st percentile of 895 peers, lower is better | +0.02 pts |
Each rate takes the quarter's interest (year-to-date interest less the prior quarter's year to date), annualizes it by multiplying by four, and divides by the quarter's average balance. Peer rates by category are not shown yet.
Loans
| Bucket | Amount | Call Report fields |
|---|---|---|
| Closed-end 1-4 family first liens: 3 months or less | $5.6M | RCONA564 |
| Closed-end 1-4 family first liens: Over 3 months through 12 months | $10.9M | RCONA565 |
| Closed-end 1-4 family first liens: Over 1 year through 3 years | $11.4M | RCONA566 |
| Closed-end 1-4 family first liens: Over 3 years through 5 years | $34.8M | RCONA567 |
| Closed-end 1-4 family first liens: Over 5 years through 15 years | $31.9M | RCONA568 |
| Closed-end 1-4 family first liens: Over 15 years | $76.0M | RCONA569 |
| All other loans and leases: 3 months or less | $316.0M | RCONA570 |
| All other loans and leases: Over 3 months through 12 months | $131.4M | RCONA571 |
| All other loans and leases: Over 1 year through 3 years | $122.3M | RCONA572 |
| All other loans and leases: Over 3 years through 5 years | $124.7M | RCONA573 |
| All other loans and leases: Over 5 years through 15 years | $57.3M | RCONA574 |
| All other loans and leases: Over 15 years | $51.9M | RCONA575 |
| Item | Amount | Call Report fields |
|---|---|---|
| Held for sale: nonaccrual | $0K | RCONC226 |
| Held for sale: 30-89 days past due | $0K | RCONC240 |
| Held for sale: 90+ days past due | $0K | RCONC241 |
| Additions to nonaccrual assets during the quarter | $900K | RCONC410 |
| Nonaccrual assets sold during the quarter | $0K | RCONC411 |
| Paycheck Protection Program loans outstanding | $0K | RCONLG27 |
| Extensions of credit to executive officers, directors and principal shareholders | $246K | RCON6164 |
| Loans and leases pledged | $767.7M | RCONG378 |
| Loans pledged, share of loans Loans pledged as collateral divided by loans and leases net of unearned income. | 78.51% | RCONG378, RCONB528 |