# WEBSTER FIVE CENTS SB
WEBSTER, MA · FDIC certificate 90297 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.31B | |
| Deposits | $1.00B | |
| Loans and leases | $978.7M | |
| Total equity | $156.6M | |
| Loans / deposits | 97.01% (p79 of band) | 87.10% |
| Liquid assets / assets | 20.19% (p46 of band) | |
| Uninsured deposits / deposits | 38.97% (p71 of band) | 30.76% |
| Brokered deposits | 1.53% | |
| Wholesale funding | 11.86% (p71 of band) | |
| FHLB advances / assets | 10.33% | |
| Tier 1 leverage | 12.52% (p80 of band) | 10.50% |
| Unrealized securities loss / equity | -6.18% (p57 of band) | -7.75% |
| AOCI / equity | -0.82% (p23 of band) | |
| ROA (annualized) | 0.87% (p22 of band) | 1.26% |
| Net interest margin | 3.71% (p51 of band) | 3.70% |
| Efficiency ratio | 69.70% (p79 of band) | |
| Noncurrent loans | 0.46% (p46 of band) | 0.51% |
| Net charge-offs (annualized) | 0.37% (p93 of band) | |
| Reserve coverage of noncurrent | 172.24% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 64.84% (p67 of band) | |
| Auto loans | $631,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.0% | |
| Employees | 149 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | deposits shrinking |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | deposits shrinking |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 4 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2014-12 | 5 | uninsured deposits leaving |  |
| 2015-03 | 3 |  | reserve under noncurrent, uninsured deposits leaving |
| 2015-06 | 2 |  | loans exceed deposits |
| 2015-09 | 3 | loans exceed deposits |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | capital falling |  |
| 2019-09 | 0 |  | wholesale funding >15%, loans exceed deposits, capital falling |
| 2019-12 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2020-03 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | capital falling, construction >100% equity |  |
| 2022-09 | 1 |  | construction >100% equity |
| 2022-12 | 0 |  | capital falling |
| 2023-03 | 2 | construction >100% equity, deposits shrinking |  |
| 2023-06 | 0 |  | construction >100% equity, deposits shrinking |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 2 | construction >100% equity |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 2 | loans exceed deposits |  |
| 2025-03 | 1 |  | construction >100% equity |
| 2025-06 | 2 | reserve under noncurrent |  |
| 2025-09 | 0 |  | loans exceed deposits, reserve under noncurrent |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2026-06 | 1 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-10-10 [Worcester County real estate transfers, Sunday, Oct. 10 - Worcester Telegram](https://news.google.com/rss/articles/CBMitwFBVV95cUxNREZtcVZpejEybGhqQVBWcTBTUmVBRWstYXY0MGNlUGk5dlMyRDRwQTM5YlpibmkzR0JQTWpTMkxFSVRjN2xiUWw5eEpZYlVuZVF1UVB2T2VSWkdFUy1aVGhVd1FmOUVGckMtSHFKODRYU0t5a3BXV1pubnZ1cUd6T2RlS0Q2Rng4Tnh4NmNpNW1PRlNxTEhsNzNva3hSTVIyUjdXa0lnaXlJakkybFZHZkVQNmRoQzQ?oc=5) · Worcester Telegram
- 2019-10-13 [Worcester County real estate transfers, Sunday, Oct. 13 - Worcester Telegram](https://news.google.com/rss/articles/CBMitgFBVV95cUxOWjNUaGNPNDg5M0JZaUFwMV9TN2t1akttRGlvVWYyOWlGOVI0RUZ4cXJWbU5fcU5Wa25zLTJwcmNSSVhjWjdoSl9qcW5OUGcxcUdodC01RjV4NEtON3luUkNvSnhWR1BiNzZKN0NWd2kzcGEyek5WQlcxRG5VWURXUnVoVFhIUDl4SWJJRTE4TVNjYWZaX284YUNrb1k3d1BlbE91ZGcwTnhlMUFoTVdDMmVmUWJtQQ?oc=5) · Worcester Telegram

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90297 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "90297", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide