Winter Hill Bank, FSB: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to total assets rose 0.30 percentage points from Q1 2026 to Q2 2026, ending at 10.16% against 9.86%. It was the largest change among the key lines on this page. Winter Hill Bank, FSB ranks 16th of 59 Massachusetts banks on CET1 ratio, in the upper half at 16.87% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Winter Hill Bank, FSB sits 1.80 points higher, at 16.87% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.87% |
| Tier 1 risk-based capital ratio | 16.87% |
| Total risk-based capital ratio | 17.63% |
| Tier 1 leverage ratio | 10.04% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $41.4M |
| Tier 1 capital | $41.4M |
| Total risk-based capital | $43.3M |
| Total equity capital | $41.4M |
| Risk-weighted assets | $245.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.16% |
| Tangible equity to tangible assets | 10.16% |
| Equity capital to average assets | 10.04% |
| Internal capital growth rate | 1.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $0 |
| Retained earnings | $41.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.59% | 15.59% | 16.82% | 9.31% | $255.1M |
| Q4 2023 | 15.63% | 15.63% | 16.36% | 9.24% | $259.4M |
| Q1 2024 | 15.49% | 15.49% | 16.27% | 9.13% | $260.9M |
| Q2 2024 | 15.54% | 15.54% | 16.33% | 9.18% | $259.9M |
| Q3 2024 | 15.49% | 15.49% | 16.27% | 9.26% | $261.0M |
| Q4 2024 | 15.49% | 15.49% | 16.26% | 9.35% | $262.0M |
| Q1 2025 | 15.92% | 15.92% | 16.70% | 9.47% | $255.7M |
| Q2 2025 | 16.08% | 16.08% | 16.85% | 9.67% | $254.4M |
| Q3 2025 | 16.08% | 16.08% | 16.84% | 9.74% | $255.2M |
| Q4 2025 | 16.40% | 16.40% | 17.16% | 9.86% | $251.1M |
| Q1 2026 | 16.79% | 16.79% | 17.56% | 9.95% | $245.8M |
| Q2 2026 | 16.87% | 16.87% | 17.63% | 10.04% | $245.6M |
Winter Hill Bank, FSB regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Winter Hill Bank, FSB, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Winter Hill Bank, FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28213) · FFIEC NIC profile (RSSD 822275)