Winter Hill Bank, FSB
Operating from Somerville, MA, Winter Hill Bank, FSB serves its local market as an FDIC-insured commercial bank. On its most recent Q1 2026 call report, Winter Hill Bank reported $419M in total assets against $300M in deposits. Profitability runs below industry average — 0.10% ROA, 1.04% ROE, with NIM at 2.66%. Capital is comfortably above regulatory minimums — CET1 ratio of 16.79% sits well above the 7% well-capitalized threshold. Asset quality is pristine — 0.02% NPLs and a 0.16% Texas Ratio. 3 branches make up the footprint.
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
- Fed District
- 2
- Established
- January 1, 1906
- Branches
- 3 domestic
- Employees (FTE)
- 52
- FDIC Cert
- 28213
- Fed RSSD
- 822275
- Website
- www.winterhillbank.com →
Capital & Liquidity
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Winter Hill Bank, FSB rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Winter Hill Bank, FSB
What are Winter Hill Bank, FSB's total assets?
As of the Q1 2026 filing, Winter Hill Bank, FSB reported total assets of $418.7 million in its most recent 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 required of all FDIC-insured commercial banks.
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 commercial bank (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 16.79% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Winter Hill Bank, FSB operate?
Winter Hill Bank, FSB operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Winter Hill Bank, FSB's Texas Ratio?
Winter Hill Bank, FSB's Texas Ratio is 0.16% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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