Bank Comparison
Winter Hill Bank, FSB vs Dakota Heritage Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Winter Hill Bank, FSB | Dakota Heritage Bank |
|---|---|---|
| CET1 Ratio | 16.79% | — |
| Tier 1 Capital Ratio | 16.79% | — |
| Total Capital Ratio | 17.56% | — |
| Tier 1 Leverage Ratio | 9.95% | 9.49% |
| Equity / Assets | 9.86% | 8.82% |
Profitability
| Metric | Winter Hill Bank, FSB | Dakota Heritage Bank |
|---|---|---|
| Return on Assets (ROA) | 0.10% | 2.02% |
| Return on Equity (ROE) | 1.04% | 23.33% |
| Net Interest Margin (NIM) | 2.66% | 4.13% |
| Yield on Earning Assets | 4.69% | 6.21% |
| Cost of Funds | 2.20% | 2.16% |
Asset quality
| Metric | Winter Hill Bank, FSB | Dakota Heritage Bank |
|---|---|---|
| Texas Ratio | 0.16% | 15.50% |
| Non-Performing Loan Ratio | 0.02% | 1.25% |
| Non-Performing Asset Ratio | 0.02% | 1.02% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.60% | 1.30% |
Balance sheet
| Metric | Winter Hill Bank, FSB | Dakota Heritage Bank |
|---|---|---|
| Total Assets | $418,714K | $418,263K |
| Total Deposits | $300,483K | $378,499K |
| Total Loans | $297,689K | $339,015K |
| Total Equity | $41,287K | $36,901K |
| Net Income (quarter) | $107 | $2,127K |
Liquidity & funding
| Metric | Winter Hill Bank, FSB | Dakota Heritage Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 99.07% | 89.57% |
| Core Deposit Ratio | 91.21% | 88.57% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Winter Hill Bank, FSB | Dakota Heritage Bank |
|---|---|---|
| Headquarters City | SOMERVILLE | HUNTER |
| Headquarters State | MA | ND |
| Asset Tier | Small | Small |
| Charter Class | 701149 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 3 | 11 |
| Employees (FTE) | 52 | 50 |
| Established | Jan. 1, 1906, midnight | Feb. 8, 1945, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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