Winter Hill Bank, FSB: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Winter Hill Bank, FSB spends more to run itself than most banks of its size. Based in Somerville, Massachusetts, it had $408 million in assets at June 30, 2026, down 2.9% from a year earlier. It earns about $0.14 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 94 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter slipped 24% from a year earlier, to $145,000. Over the same year, loans shrank 4.2% and deposits grew 0.7%. Its margin is thin by comparison: it keeps 2.70 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Winter Hill Bank, FSB reported a CET1 capital ratio of 16.87%, a return on assets of 0.14%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 342 Broadway, Somerville, MA 02145
- County
- Middlesex
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Former names
- Winter Hill Federal Savings Bank (1987-2006)
- Offices
- 3 domestic
- Employees (FTE)
- 55
- Domestic deposits
- $299.3M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $412.5M
- Average total loans
- $295.3M
- Average interest-bearing deposits
- $265.2M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28213
- Fed RSSD
- 822275
- Website
- www.winterhillbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Winter Hill Bank, FSB terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Winter Hill Bank, FSB, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Winter Hill Bank, FSB rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.87% | 0.14% | 0.00% | 0.00% | 2.70% |
| Q1 2026 | 16.79% | 0.10% | 0.00% | 0.00% | 2.66% |
| Q4 2025 | 16.40% | 0.14% | 0.00% | 0.00% | 2.54% |
| Q3 2025 | 16.08% | 0.13% | 0.17% | 1.22% | 2.54% |
| Q2 2025 | 16.08% | 0.18% | 0.17% | 1.23% | 2.55% |
| Q1 2025 | 15.92% | 0.11% | 0.17% | 1.24% | 2.53% |
| Q4 2024 | 15.49% | 0.17% | 0.17% | 1.26% | 2.27% |
| Q3 2024 | 15.49% | 0.03% | 0.00% | 0.00% | 2.17% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Winter Hill Bank, FSB (main office) | Somerville , MA | 02145 | $181.5M |
| 265Mainstreet Branch | North Reading , MA | 01864 | $72.7M |
| Cutter Avenue Branch | Somerville , MA | 02144 | $45.1M |
Regulatory record
What the public regulatory sources show for Winter Hill Bank, FSB, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC (former OTS)); 4 against individuals associated with it
- August 5, 1992, OCC (former OTS): Supervisory Agreement: Winter Hill Federal Savings Bank
- March 21, 1991, OCC (former OTS): Cease and Desist: The Winter Hill Federal Savings Bank
- Period: Most recent institution action August 5, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MA, rank 89 of 120 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 132 applications, 72 loans originated, $37.3M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $168K approved, $168K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Winter Hill Bank, FSB
What are Winter Hill Bank, FSB's total assets?
As of the Q2 2026 filing, Winter Hill Bank, FSB reported total assets of $407.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Winter Hill Bank, FSB headquartered?
Winter Hill Bank, FSB is headquartered in Somerville, MA, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was Winter Hill Bank, FSB founded?
Winter Hill Bank, FSB was established in 1906, per the FDIC institution directory.
Is Winter Hill Bank, FSB FDIC-insured?
Yes. Winter Hill Bank, FSB is an FDIC-insured savings institution (FDIC Certificate #28213). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Winter Hill Bank, FSB?
Winter Hill Bank, FSB's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Winter Hill Bank, FSB's CET1 capital ratio?
Winter Hill Bank, FSB reported a Common Equity Tier 1 (CET1) capital ratio of 16.87% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Winter Hill Bank, FSB operate?
Winter Hill Bank, FSB operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Winter Hill Bank, FSB's Texas Ratio?
Winter Hill Bank, FSB's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Winter Hill Bank, FSB previously called?
The charter now named Winter Hill Bank, FSB has also operated as Winter Hill Federal Savings Bank (1987-2006), per FDIC structure-change records.
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