Winter Hill Bank FSB
Somerville, MA·RSSD 822275·FDIC 28213·bank:822275·Risk-based ratios where reported
- #77 of 94Total assets in Massachusetts
- 3offices
- 55employees
- Top 4%Loan quality vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
No material changes against peers this quarter
0 of 26 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Where Winter Hill Bank FSB differs most from peers
Efficiency ratio among the highest of similar banksContext: Efficiency95.7%peers 60.8%+34.9 pp
Winter Hill Bank FSB's efficiency ratio was 95.7%, compared with a median of 60.8% among 1433 similar banks: higher than 97% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 95.7% | 60.8% | +34.9 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Winter Hill Bank FSB itself is left out of every peer median and percentile. How signals work
Problem loans among the lowest of similar banksContext: Asset quality0.00%peers 0.43%-43 bps
Winter Hill Bank FSB's noncurrent loans as a share of loans was 0.00%, compared with a median of 0.43% among 1431 similar banks: lower than 96% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans as a share of loans | ||
| 0.00% | 0.43% | -43 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Winter Hill Bank FSB itself is left out of every peer median and percentile. How signals work
Net interest margin among the lowest of similar banksContext: Earnings2.70%peers 3.99%-129 bps
Winter Hill Bank FSB's net interest margin was 2.70%, compared with a median of 3.99% among 1434 similar banks: lower than 96% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 2.70% | 3.99% | -129 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Winter Hill Bank FSB itself is left out of every peer median and percentile. How signals work
Key facts
- Winter Hill Bank FSB is a bank headquartered in Somerville, Massachusetts. It reported $408 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $299 million, up 0.7% from a year earlier, and loans totaled $298 million, down 4.2%.
- Its net interest margin was 2.70% and its annualized return on assets was 0.14% for the quarter.
- Its cost of all deposits was 1.70%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Winter Hill Bank FSB's own data, FORFI would look at: Where revenue per relationship falls short of the cost to serve it.
Analysis workspaces
Sources and identifiers
- Institution
- Winter Hill Bank FSB · Bank
- Federal Reserve RSSD
- 822275
- FDIC certificate
- 28213
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Winter Hill Bank FSB itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $145K | — | |
| $4.65M | — | |
| $1.96M | — | |
| $2.69M | — | |
| $225K | — | |
| $2.79M | — | |
| $0 | — | |
| -$17K | — | |
| 0.14% | 0.14%ROAQ · Quarter | |
| 2.70% | 2.69%NIMYQ · Quarter | |
| 95.68% | 95.68%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.