WINTER HILL BANK, FSB

SOMERVILLE, MA | Small | Est. Jan. 1, 1906, midnight | FDIC #28213 | RSSD #822275 | OCC
Latest Report: 2025-12-31

WINTER HILL BANK, FSB is asn small FDIC-insured commercial bank headquartered in SOMERVILLE, MA, established in Jan. 1, 1906, midnight. As of 2025-12-31, the bank reported total assets of $421M and total deposits of $298M. Profitability stands at 0.14% ROA and 1.41% ROE, with a net interest margin of 2.67%. The bank's CET1 capital ratio is 16.40%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #28213.

Assets

$421M

Deposits

$298M

Loans

$304M

Equity

$41M

Profitability

Return on Assets (ROA) 0.14%
Return on Equity (ROE) 1.41%
Net Interest Margin (NIM) 2.67%
Yield on Assets 5.03%
Cost of Funds 2.44%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.61%

Capital & Liquidity

CET1 Ratio 16.40%
Tier 1 Capital 16.40%
Total Capital Ratio 17.16%
Leverage Ratio 9.86%
Loan-to-Deposit 102.09%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required