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Winter Hill Bank, FSB Locations & Branches Somerville, Massachusetts
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Winter Hill Bank, FSB operates 3 branches from its headquarters in Somerville, MA, .
Winter Hill Bank, FSB branch network
All 3 branches are in MASSACHUSETTS, across 2 cities. Somerville, MA has the most of its branches, 2. Its largest office by deposits is its main office in Somerville, MA, with $181.5M (60.6% of its branch deposits). It had the same number of branches on June 30, 2025.
Winter Hill Bank, FSB at a glance
Its CET1 capital ratio was 16.87% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $407.9M
- CET1 ratio, Q2 2026
- 16.87%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1906
Full financial profile · Is Winter Hill Bank, FSB safe? · Winter Hill Bank, FSB call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Somerville, MA (2 branches) | 3 of 11 | 10.2% | $226.6M |
| State: MA (3 branches) | 89 of 112 | <0.1% | $299.3M |
Ranked by total assets among banks headquartered in the state: Largest banks in Massachusetts.
Share by county and metro area
Winter Hill Bank, FSB's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Middlesex, MA (3 branches) | 32 of 42 | 0.4% | $299.3M | $83.13B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Boston-Cambridge-Newton, MA-NH (3 branches) | 58 of 99 | <0.1% | $299.3M | $580.15B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 28213) · FFIEC NIC profile (RSSD 822275)