Total Assets
$421M
Total balance-sheet footings
FDIC Cert #28213 · Somerville, Massachusetts · Est. 1906
Winter Hill Bank, FSB - FDIC Bank Health Profile
A community-scale look at Winter Hill Bank, FSB's own numbers, pulled straight from its quarterly FDIC Call Report.
- $421M
- Total assets
- B
- Health grade · Good
- 0.14%
- Return on assets
- 16.4%
- Tier 1 capital
Data updated July 2026
The verdict
Winter Hill Bank, FSB earns a PlainBankData health grade of B (67/100), with well-capitalized at 16.40% Tier 1, 0.14% ROA, 96% efficiency ratio.
- #2,017
- largest of 4,313 FDIC banks by assets
- 53rd
- percentile by asset size, nationally
- 16.40%
- Tier 1 ratio - above the 10% well-capitalized line
- 7th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Winter Hill Bank, FSB's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Winter Hill Bank, FSB's composite health score
Tier 1 Capital Ratio (16.40%) 40/40
Return on Assets (ROA) (0.14%) 7/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (95.52%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$298M
Customer-funded liabilities
Net Loans
$302M
Outstanding loan book
Net Income
$586K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Winter Hill Bank, FSB ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Winter Hill Bank, FSB's score of 67/100 falls in the highlighted band.
Winter Hill Bank, FSB's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Winter Hill Bank, FSB's $421M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.40% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.40%
Texas Ratio
0.00%
Equity Capital
$41M
Profitability metrics
Return on Assets (ROA)
7th percentile nationally
0.14%
Return on Equity (ROE)
1.43%
Efficiency Ratio
95.52%
What the numbers say about Winter Hill Bank, FSB
Winter Hill Bank, FSB is an FDIC-insured institution (Certificate #28213) headquartered in Somerville, Massachusetts, established in 1906. It holds $421M in total assets - 2,017th of 4,313 FDIC-insured banks, $298M in customer deposits, and $302M in net loans. Its capital position: a Tier 1 ratio of 16.40%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (67 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Winter Hill Bank, FSB sits 76th of 91 banks headquartered in Massachusetts by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$20M
Interest Income
$703K
Non-Interest Income
$11M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Winter Hill Bank, FSB reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Massachusetts by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Winter Hill Bank, FSB (FDIC Cert #28213) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Massachusetts
All Massachusetts banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| State Street Bank and Trust CompanyBoston | $360.7B | A | 0.83% |
| Eastern BankBoston | $30.6B | B | 0.39% |
| Rockland Trust CompanyRockland | $24.9B | A | 1.03% |
| Beacon Bank and TrustBrookline | $23.2B | B | 0.63% |
| Salem Five Cents Savings BankSalem | $8.5B | A | 0.89% |
| Cambridge Savings BankCambridge | $6.9B | B | 0.97% |
| Needham BankNeedham | $6.9B | B | 0.90% |
| Middlesex Savings BankNatick | $6.2B | B | 0.54% |
Frequently asked questions
What is Winter Hill Bank, FSB's health grade?▼
Winter Hill Bank, FSB receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Winter Hill Bank, FSB?▼
Winter Hill Bank, FSB holds $421M in total assets and $298M in deposits, ranking 2,017th of 4,313 FDIC-insured banks by asset size. It is headquartered in Somerville, Massachusetts.
Is my money safe at Winter Hill Bank, FSB?▼
Yes, deposits at Winter Hill Bank, FSB (Certificate #28213) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Winter Hill Bank, FSB's Tier 1 Capital Ratio?▼
Winter Hill Bank, FSB has a Tier 1 Capital Ratio of 16.40%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Winter Hill Bank, FSB?▼
Winter Hill Bank, FSB has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Winter Hill Bank, FSB?▼
Winter Hill Bank, FSB has an Efficiency Ratio of 95.52%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Winter Hill Bank, FSB's profile as a depositor or analyst.
- Winter Hill Bank, FSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Winter Hill Bank, FSB against other Massachusetts banks before moving funds. Massachusetts banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.