Webster Five Cents Savings Bank

Webster, MassachusettsFDIC Cert #90297

STATEEstablished 18687 branches

Holding company: WEBFIVE MHCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$103M
Investor CRE	$386M
Multifamily	$110M
Construction	$104M
1–4 family	$225M
C&I	$53.3M
Agriculture	$0
Other	$9.14M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$991M

−1.4%y/y

Percentile by value42nd percentileby value

FDICLNLSGR

Net loans

$982M

−1.3%y/y

Percentile by value42nd percentileby value

FDICLNLSNET

Loans YoY

−1.32%

−132.7%y/y

Percentile by value12th percentileby value

FDICLNLSNET

L/D

97.1%

−3.6%y/y

Percentile by value82nd percentileby value

FDICLNLSNET + DEP

Loans/assets

74.8%

−2.1%y/y

Percentile by value59th percentileby value

FDICLNLSNET + ASSET

RE loans %

98.09%

+1.8%y/y

Percentile by value89th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,423points

+8.8%y/y

Peer standing32nd percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

10.40%

−0.4%y/y

Percentile by value39th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

38.94%

+8.4%y/y

Percentile by value94th percentileby value

FDICLNRENROT + LNLSGR

C&I %

5.38%

−1.4%y/y

Percentile by value23rd percentileby value

FDICLNCI + LNLSGR