Winter Hill Bank, FSB: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 13716.73 percentage points higher than in Q1 2026, at 16318.18%. On return on assets, Winter Hill Bank, FSB is 7th from the bottom among 89 Massachusetts banks, 0.14% (Q2 2026). Winter Hill Bank, FSB's return on assets of 0.14% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.11 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.87% |
| Tier 1 risk-based capital ratio | 16.87% |
| Total risk-based capital ratio | 17.63% |
| Tier 1 leverage ratio | 10.04% |
| Equity capital to assets | 10.16% |
| Tangible equity to tangible assets | 10.16% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.03% |
| Allowance for credit losses to loans | 0.60% |
| Reserve coverage of non-performing loans | 16318.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.14% |
| Return on equity | 1.40% |
| Net interest margin | 2.70% |
| Efficiency ratio | 94.27% |
| Yield on earning assets | 4.64% |
| Cost of funds | 2.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.69% |
| Core deposits to total deposits | 88.23% |
| Brokered deposits to total deposits | 3.55% |
| Deposits to assets | 73.36% |
| Securities to assets | 18.87% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.59% | 15.59% | 16.82% | 9.31% | -0.02% |
| Q4 2023 | 15.63% | 15.63% | 16.36% | 9.24% | 0.00% |
| Q1 2024 | 15.49% | 15.49% | 16.27% | 9.13% | -0.10% |
| Q2 2024 | 15.54% | 15.54% | 16.33% | 9.18% | -0.03% |
| Q3 2024 | 15.49% | 15.49% | 16.27% | 9.26% | 0.03% |
| Q4 2024 | 15.49% | 15.49% | 16.26% | 9.35% | 0.17% |
| Q1 2025 | 15.92% | 15.92% | 16.70% | 9.47% | 0.11% |
| Q2 2025 | 16.08% | 16.08% | 16.85% | 9.67% | 0.18% |
| Q3 2025 | 16.08% | 16.08% | 16.84% | 9.74% | 0.13% |
| Q4 2025 | 16.40% | 16.40% | 17.16% | 9.86% | 0.14% |
| Q1 2026 | 16.79% | 16.79% | 17.56% | 9.95% | 0.10% |
| Q2 2026 | 16.87% | 16.87% | 17.63% | 10.04% | 0.14% |
Winter Hill Bank, FSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Winter Hill Bank, FSB, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)