Winter Hill Bank, FSB: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 12.59 percentage points lower than in Q1 2026, at 49.49%. Within Massachusetts, Winter Hill Bank, FSB is 33rd of 89 on loan-to-deposit ratio, 99.69% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Winter Hill Bank, FSB sits 18.86 points higher, at 99.69% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $298.4M |
| Net loans and leases | $296.6M |
| Loans held for sale | $0 |
| Loans to total assets | 73.13% |
| Loan-to-deposit ratio | 99.69% |
| Net loans to equity capital | 7.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.64% |
| Multifamily (5+ residential) | 16.03% |
| Commercial and industrial | 0.00% |
| Consumer | 0.13% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 187.90% |
| Construction concentration (Tier 1 capital + allowance) | 49.49% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.22% |
| Interest income on loans | $3.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $315.1M | $347.3M | 7.78% | 0.00% | 0.12% |
| Q4 2023 | $323.2M | $354.3M | 7.81% | 0.00% | 0.16% |
| Q1 2024 | $319.6M | $327.4M | 7.81% | 0.00% | 0.18% |
| Q2 2024 | $321.1M | $324.7M | 7.92% | 0.00% | 0.18% |
| Q3 2024 | $320.3M | $301.8M | 7.75% | 0.00% | 0.14% |
| Q4 2024 | $321.0M | $303.5M | 7.95% | 0.00% | 0.13% |
| Q1 2025 | $313.6M | $307.6M | 6.34% | 0.00% | 0.13% |
| Q2 2025 | $311.6M | $297.3M | 6.31% | 0.00% | 0.12% |
| Q3 2025 | $309.4M | $291.4M | 6.17% | 0.00% | 0.10% |
| Q4 2025 | $304.1M | $297.9M | 5.66% | 0.00% | 0.10% |
| Q1 2026 | $297.7M | $300.5M | 5.71% | 0.00% | 0.19% |
| Q2 2026 | $298.4M | $299.3M | 5.64% | 0.00% | 0.13% |
Winter Hill Bank, FSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Winter Hill Bank, FSB, freeSource: Call Report Schedule RC-C, 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)