Bank call report · Somerville, MA
Winter Hill Bank, FSB Call Report
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Winter Hill Bank, FSB filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 267 reported line items, schedule by schedule (793 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 822275 |
| FDIC certificate number | 28213 |
| Total assets | $407.9M |
Official Q2 2026 call report PDF (FFIEC) →
Winter Hill Bank, FSB call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (22 items)
About Schedule RC · Winter Hill Bank, FSB balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $407.9M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $407.9M |
| Total Liabilities and Minority Interest | RCON2948 | $366.5M |
| Total Deposits | RCON2200 | $299.3M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $298.4M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $296.6M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $265.8M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $77.0M |
| Held-to-maturity Securities, Total | RCON1754 | $77.0M |
| Other Borrowed Money | RCON3190 | $64.0M |
| Total Equity Capital | RCON3210 | $41.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $41.4M |
| Undivided Profits and Capital Reserves | RCON3632 | $41.4M |
| Deposits: Noninterest-bearing | RCON6631 | $33.5M |
| Interest-bearing Balances | RCON0071 | $21.5M |
| Other Assets | RCON2160 | $5.6M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $5.2M |
| Other Liabilities, Total | RCON2930 | $3.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $2.1M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.8M |
| Intangible Assets | RCON2143 | $164K |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $12K |
Schedule RI: Income Statement (36 items)
About Schedule RI · Winter Hill Bank, FSB income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $9.4M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $7.8M |
| Total Noninterest Expense | RIAD4093 | $5.6M |
| Net Interest Income | RIAD4074 | $5.4M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $4.9M |
| Total Interest Expense | RIAD4073 | $4.0M |
| Salaries and Employee Benefits | RIAD4135 | $3.5M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $2.9M |
| Other Interest Expense | RIADGW44 | $1.5M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.4M |
| Other Noninterest Expense | RIAD4092 | $1.3M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $822K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $745K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $666K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $460K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $406K |
| Total Noninterest Income | RIAD4079 | $401K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $329K |
| Interest on Other Securities | RIAD4060 | $329K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $252K |
| Net Income (Loss) | RIAD4340 | $252K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $252K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $239K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $239K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $155K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $129K |
| Other Interest Income | RIAD4518 | $117K |
| Net Servicing Fees | RIADB492 | $92K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$62K |
| Provision for Loan and Lease Losses | RIAD4230 | -$47K |
| Other Noninterest Income | RIADB497 | $25K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $16K |
| Applicable Income Taxes | RIAD4302 | -$13K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $9K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $5K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 55 |
Schedule RC-B: Securities (26 items)
About Schedule RC-B · Winter Hill Bank, FSB securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Collateralized by MBS Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Amortized Cost | RCONG316 | $10.8M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Collateralized by MBS Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value | RCONG317 | $10.6M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $69.4M |
| Pledged Securities | RCON0416 | $39.2M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Amortized Cost | RCONHT54 | $38.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Fair Value | RCONHT55 | $33.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $30.1M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $27.4M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $25.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $25.0M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $9.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $7.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $2.3M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $1.5M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $511K |
| Amortized Cost of Held-to-maturity U.S. Treasury Securities | RCON0211 | $501K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $501K |
| Fair Value of Held-to-maturity U.S. Treasury Securities | RCON0213 | $496K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $287K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $220K |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost | RCONHT50 | $168K |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value | RCONHT51 | $156K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $12K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $12K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $12K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $10K |
Schedule RC-C, Part I: Loans and Leases (27 items)
About Schedule RC-C, Part I · Winter Hill Bank, FSB loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $298.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $199.5M |
| Pledged Loans and Leases | RCONG378 | $197.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $154.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $58.5M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $47.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $41.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $40.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $36.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $28.8M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $21.9M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $21.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $20.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $20.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $19.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $17.6M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $12.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $6.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $6.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $6.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $5.7M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $4.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $3.4M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $400K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Multifamily (5 or More) Nonresidential Properties | RCONK160 | $11K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $11K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $1K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $3.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $538K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $132K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 6 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 4 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 2 |
Schedule RC-E: Deposit Liabilities (24 items)
About Schedule RC-E · Winter Hill Bank, FSB deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $207.0M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $178.6M |
| Total Transaction Accounts | RCON2215 | $92.2M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $92.2M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $72.7M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $57.3M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $50.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $40.8M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $39.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $36.0M |
| Total Demand Deposits (See Note Below) | RCON2210 | $34.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $31.9M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $28.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $24.6M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $24.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $13.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $12.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $10.7M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $10.6M |
| Total Brokered Deposits | RCON2365 | $10.6M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $7.5M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $2.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $481K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $314K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $3.0M |
| Accrued Interest Receivable | RCONB556 | $1.5M |
| Other Assets | RCON2168 | $808K |
| Prepaid Expenses | RCON2166 | $761K |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $207K |
| Computer Software | RCONFT33 | $47K |
Schedule RC-G: Other Liabilities (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Net Deferred Tax Liabilities | RCON3049 | $2.3M |
| Other Expenses Accrued and Unpaid | RCON3646 | $541K |
| All Other Liabilities | RCON2938 | $345K |
| Operating lease liabilities | RCONLB56 | $258K |
| Accounts Payable | RCON3066 | $87K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $69K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $11K |
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · Winter Hill Bank, FSB quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $412.5M |
| Quarterly Average of Total Loans | RCON3360 | $295.3M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $196.2M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $98.7M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $97.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $86.6M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $68.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $57.0M |
| Mortgage-backed Securities | RCONB559 | $51.3M |
| All Other Securities | RCONB560 | $27.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $26.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $24.5M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $675K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $469K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · Winter Hill Bank, FSB derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Off-balance Sheet Liabilities | RCON3430 | $28.0M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $28.0M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $11.5M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $9.4M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $5.1M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $1.9M |
Schedule RC-M: Memoranda (6 items)
About Schedule RC-M · Winter Hill Bank, FSB memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $39.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $39.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $25.0M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $1.1M |
| Mortgage Servicing Assets | RCON3164 | $164K |
| Does the Institution Use the Home Owners' Loan Act (Hola) Qtl Test or the Internal Revenue Service Domestic Building and Loan Association (IRS Dbla) Test to Determine Its Qtl Compliance? | RCONL133 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (3 items)
About Schedule RC-N · Winter Hill Bank, FSB past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $556K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $341K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Past Due 30 Through 89 Days and Still Accruing | RCON3499 | $215K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · Winter Hill Bank, FSB other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $412.5M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $299.3M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $192.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $99.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $41.5M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $7.5M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 10,263 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 252 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 142 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Winter Hill Bank, FSB regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $245.6M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)
About Schedule RC-R, Part I · Winter Hill Bank, FSB regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $412.5M |
| Average total consolidated assets | RCOAKW03 | $412.5M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $245.6M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $43.3M |
| Common Equity Tier 1 Capital | RCOAP859 | $41.4M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $41.4M |
| Retained Earnings | RCOAKW00 | $41.4M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $41.4M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $41.4M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $1.9M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $1.9M |
| Tier 2 Capital Before Deductions | RCOAP870 | $1.9M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1763 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1687 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1687 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1004 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0963 |
Schedule RC-R, Part II: Risk-Weighted Assets (47 items)
About Schedule RC-R, Part II · Winter Hill Bank, FSB risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $259.7M |
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $245.6M |
| Total Risk-weighted Assets | RCONG641 | $245.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $215.4M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $215.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $214.8M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $107.7M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $86.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $86.0M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $86.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $79.8M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $79.8M |
| Total Held-to-maturity Securities | RCOND961 | $77.0M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $75.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $45.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $34.3M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $34.3M |
| Risk-weighted Assets by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS579 | $29.0M |
| Unconditionally Cancellable Commitments | RCONS540 | $26.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $23.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $23.9M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $23.5M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $22.4M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $16.0M |
| Total All Other Assets | RCOND981 | $10.9M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $6.8M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $6.6M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $4.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $4.4M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $4.4M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $4.4M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $3.2M |
| Off-balance Sheet Securitization Exposures - 1250 Pct Risk Weight Exposure, by Calculation Method | RCONS497 | $2.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS568 | $2.3M |
| Total Off-balance Sheet Securitization Exposures | RCONS495 | $2.3M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$1.8M |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $1.5M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $1.1M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $646K |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $410K |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $164K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $164K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $164K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $19K |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $12K |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $6K |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $6K |
Schedule RI-A: Changes in Bank Equity Capital (3 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $41.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $41.2M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $41.2M |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Winter Hill Bank, FSB changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.8M |
| Allowance for Loan and Lease Losses | RIAD3123 | $1.8M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$15K |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $100.5M |
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $81.7M |
Winter Hill Bank, FSB call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Winter Hill Bank, FSB call report?
The Winter Hill Bank, FSB call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Winter Hill Bank, FSB file?
Winter Hill Bank, FSB files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Winter Hill Bank, FSB call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Winter Hill Bank, FSB has Federal Reserve RSSD ID 822275 and FDIC certificate number 28213. Either one finds its filings on the FFIEC Central Data Repository.
How often does Winter Hill Bank, FSB file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Winter Hill Bank, FSB financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 28213) · FFIEC NIC profile (RSSD 822275)