Total Assets
$421M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Winter Hill Bank, FSB — FDIC Bank Health Profile
Somerville, Massachusetts · Est. 1906. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) Savings bank FDIC Cert #28213 New York Region
D
Health grade
Weak
Score: 47/100
Basel III capital ratios — Winter Hill Bank, FSB
Total Deposits
$298M
Customer-funded liabilities
Net Loans
$302M
Outstanding loan book
Net Income
$586K
Bottom-line earnings
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
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
16.40%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$41M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.14%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
1.43%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
95.52%
Income & Expense Breakdown
$20M
Interest Income
$703K
Non-Interest Income
$11M
Non-Interest Expense
FDIC Deposit Insurance
Winter Hill Bank, FSB is FDIC-insured (Certificate #28213). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
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. The bank currently holds $421M in total assets and $298M in customer deposits, with $302M deployed as loans. It operates as a Nationally chartered (OCC) (Savings bank) within the FDIC New York region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Winter Hill Bank, FSB reports a Tier 1 Capital Ratio of 16.40% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $41M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.14% and a Return on Equity of 1.43%, with an Efficiency Ratio of 95.52% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of D (47/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Winter Hill Bank, FSB is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Massachusetts by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Winter Hill Bank, FSB (FDIC Cert #28213) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Company Boston | $360.7B | C | 0.83% |
| Eastern Bank Boston | $30.6B | C | 0.39% |
| Rockland Trust Company Rockland | $24.9B | B | 1.03% |
| Beacon Bank and Trust Brookline | $23.2B | C | 0.63% |
| Salem Five Cents Savings Bank Salem | $8.5B | C | 0.89% |
| Cambridge Savings Bank Cambridge | $6.9B | C | 0.97% |
| Needham Bank Needham | $6.9B | C | 0.90% |
| Middlesex Savings Bank Natick | $6.2B | C | 0.54% |
Frequently Asked Questions
What is Winter Hill Bank, FSB's health grade? ▼
Winter Hill Bank, FSB receives a health grade of D (47/100) 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 notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Winter Hill Bank, FSB? ▼
Winter Hill Bank, FSB holds $421M in total assets and $298M in deposits. It is headquartered in Somerville, Massachusetts.
Is my money safe at Winter Hill Bank, FSB? ▼
Yes. Winter Hill Bank, FSB is FDIC-insured (Certificate #28213). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Winter Hill Bank, FSB's Tier 1 Capital Ratio? ▼
Winter Hill Bank, FSB has a Tier 1 Capital Ratio of 16.40%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Winter Hill Bank, FSB? ▼
Winter Hill Bank, FSB has an Efficiency Ratio of 95.52%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.