Winter Hill Bank, FSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Winter Hill Bank, FSB of Somerville, MA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.14% | 1.35% | -1.21% | 6th bottom |
| ROAE | 1.40% | 12.06% | -10.66% | 6th bottom |
| Net Interest Margin | 2.70% | 3.90% | -1.20% | 5th bottom |
| Efficiency Ratio | 94.27% | 63.14% | +31.13% | 4th bottom |
| PPNR / Avg Assets | 0.12% | 1.64% | -1.52% | 4th bottom |
| Yield on Earning Assets | 4.64% | 5.65% | -1.01% | 12th bottom |
| Cost of Funds | 2.14% | 1.85% | +0.29% | 30th below |
| Net Interest Spread | 2.30% | 3.35% | -1.05% | 8th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 85th top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 86th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.60% | 1.28% | -0.68% | 4th bottom |
| ACL / NPLs (Coverage) | 16318.18% | 1638.89% | +14679.29% | — |
| Texas Ratio | 0.03% | 7.15% | -7.12% | 89th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.87% | 20.83% | -3.96% | 63rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.87% | 20.86% | -3.99% | 63rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.63% | 21.94% | -4.31% | 60th above |
| Leverage Ratio | 10.04% | 12.46% | -2.42% | 33rd below |
| Equity / Assets | 10.16% | 11.67% | -1.51% | 47th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.16% | 11.40% | -1.24% | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.69% | 78.64% | +21.05% | 12th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.23% | 87.09% | +1.14% | 45th below |
| Wholesale Funding Ratio | 15.69% | 5.11% | +10.58% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.95% | 6.48% | -9.43% | 8th bottom |
| Loan Growth (Y/Y) | -4.24% | 7.64% | -11.88% | 9th bottom |
| Deposit Growth (Y/Y) | 0.67% | 6.03% | -5.36% | 27th below |
See Winter Hill Bank, FSB's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Winter Hill Bank, FSB, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Winter Hill Bank, FSB profile, how to read a UBPR, or how this data updates.