Winter Hill Bank, FSB
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Data as of · sourced from FFIEC call reports. How we update
Winter Hill Bank, FSB is an FDIC-insured savings institution headquartered in Somerville, MA, established in 1906 (FDIC certificate 28213), and it is supervised by the OCC. At Q2 2026 it reported total assets of $407.9M, down 2.9% from Q2 2025, the 74th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 16.87% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28213
- Headquarters
- Somerville, MA
- Established
- 1906
- Total assets, Q2 2026
- $407.9M
- Assets vs Q2 2025
- -2.9%
- CET1 ratio, Q2 2026
- 16.87%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 211370406
- Latest call report
- Q2 2026, FFIEC 051 · Winter Hill Bank, FSB call report
- Asset rank in state
- 74th of 89 in Massachusetts
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 2,627 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 3.96 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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Winter Hill Bank, FSB is the 74th largest of the 89 banks headquartered in Massachusetts. Between Q1 2026 and Q2 2026, its total assets fell 2.6% to $407.9M, loans rose 0.2% and deposits fell 0.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 71.0% of total loans, followed by multifamily loans at 16.0%. Its 3 offices in the FDIC Summary of Deposits are in Somerville, MA and North Reading, MA; its Somerville 2 offices book 76% of its branch deposits. By the capital ratios in its Q2 2026 call report, Winter Hill Bank, FSB meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 3 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Winter Hill Bank, FSB's total assets moved between a low of $407.9M (Q2 2026) and a high of $446.8M (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$407.9M total assets against $420.3M; $366.5M total liabilities against $379.4M.
$296.6M net loans and leases against $309.7M; $299.3M total deposits against $297.3M.
$77.0M securities against $82.1M; $23.5M cash and balances due against $16.6M.
$4.7M total interest income against $4.9M; $2.0M total interest expense against $2.3M.
$2.7M net interest income against $2.6M.
$225K total noninterest income against $194K; $2.8M total noninterest expense against $2.6M.
-$17K provision for credit losses against -$25K.
$145K net income against $192K.
0.14% return on assets against 0.18%; 2.70% net interest margin against 2.55%.
16.87% CET1 capital ratio against 16.08%; 10.04% tier 1 leverage ratio against 9.67%.
Inside the full Winter Hill Bank, FSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 598 of 2,134, for CET1 ratio; its furthest is 3,524 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.03% (Q3 2024) to 0.18% (Q2 2025) and its net interest margin ran from 2.17% (Q3 2024) to 2.70% (Q2 2026).
| 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
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 112 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Winter Hill Bank, FSB headquartered?
It is headquartered in Somerville, MA, United States.
When was Winter Hill Bank, FSB founded?
It was established in 1906, per the FDIC institution directory.
Is Winter Hill Bank, FSB FDIC-insured?
Yes. It 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.
What is Winter Hill Bank, FSB's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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