Winchester Bancorp, Inc. is a bank holding company headquartered in Winchester, Virginia. Founded in the early 20th century, the company serves as the parent organization for its wholly owned subsidiary, The Bank of the James. With roots in community banking, Winchester Bancorp has maintained a focus on personalized financial services while expanding its footprint across the Shenandoah Valley region.
Through The Bank of the James, Winchester Bancorp offers a range of deposit products including checking and savings accounts, money market accounts and certificates of deposit. On the lending side, the bank underwrites commercial real estate loans, residential mortgages, construction financing and small business lines of credit. Digital banking capabilities complement its branch network, enabling customers to access online and mobile banking services, electronic bill payment and remote deposit capture.
Over its history, Winchester Bancorp has grown through both organic deposit gathering and strategic acquisitions of community banks in Northern Virginia and neighboring counties. This measured expansion has allowed the company to retain strong ties with local businesses, homeowners and nonprofit organizations, while benefiting from economies of scale. The bank emphasizes community reinvestment, regularly committing resources to affordable housing initiatives, small business development programs and financial literacy workshops.
Leadership at Winchester Bancorp comprises veteran banking professionals with deep expertise in commercial lending, risk management and regulatory compliance. The executive team is supported by a board of directors drawn from regional industries including real estate, agriculture and professional services. Together, they guide the company’s efforts to blend modern digital solutions with the personalized relationship banking that has defined Winchester Bancorp’s ethos for more than a century.
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