Bank Comparison
Winter Hill Bank, FSB vs National Grand Bank of Marblehead
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Winter Hill Bank, FSB | National Grand Bank of Marblehead |
|---|---|---|
| CET1 Ratio | 16.79% | — |
| Tier 1 Capital Ratio | 16.79% | — |
| Total Capital Ratio | 17.56% | — |
| Tier 1 Leverage Ratio | 9.95% | 10.21% |
| Equity / Assets | 9.86% | 9.27% |
Profitability
| Metric | Winter Hill Bank, FSB | National Grand Bank of Marblehead |
|---|---|---|
| Return on Assets (ROA) | 0.10% | 0.61% |
| Return on Equity (ROE) | 1.04% | 6.61% |
| Net Interest Margin (NIM) | 2.66% | 2.41% |
| Yield on Earning Assets | 4.69% | 4.13% |
| Cost of Funds | 2.20% | 1.88% |
Asset quality
| Metric | Winter Hill Bank, FSB | National Grand Bank of Marblehead |
|---|---|---|
| Texas Ratio | 0.16% | 0.00% |
| Non-Performing Loan Ratio | 0.02% | 0.00% |
| Non-Performing Asset Ratio | 0.02% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.60% | 0.36% |
Balance sheet
| Metric | Winter Hill Bank, FSB | National Grand Bank of Marblehead |
|---|---|---|
| Total Assets | $418,714K | $442,306K |
| Total Deposits | $300,483K | $364,451K |
| Total Loans | $297,689K | $323,809K |
| Total Equity | $41,287K | $40,981K |
| Net Income (quarter) | $107 | $681 |
Liquidity & funding
| Metric | Winter Hill Bank, FSB | National Grand Bank of Marblehead |
|---|---|---|
| Loan-to-Deposit Ratio | 99.07% | 88.85% |
| Core Deposit Ratio | 91.21% | 87.62% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Winter Hill Bank, FSB | National Grand Bank of Marblehead |
|---|---|---|
| Headquarters City | SOMERVILLE | MARBLEHEAD |
| Headquarters State | MA | MA |
| Asset Tier | Small | Small |
| Charter Class | 701149 | 676 |
| Regulator | OCC | OCC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 52 | 41 |
| Established | Jan. 1, 1906, midnight | Jan. 1, 1831, 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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