Winter Hill Bank, FSB

BankSomerville, Massachusetts
www.winterhillbank.com

Total Assets

$421.0M

Total Deposits

$297.9M

Branches

3

Established

1906

TFS Health Grade

$
D+

67.0 / 100

Below average financial health

How we grade

Winter Hill Bank, FSB is a bank headquartered in Somerville, Massachusetts, established in 1906. With $421.0M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D+ (67.0/100).

Capital & Safety

Tier 1 Capital Ratio
9.86%(8%)
Total Capital Ratio
17.16%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
0.14%(1%)
Return on Equity (ROE)
1.43%(10%)
Net Interest Margin
2.53%
Efficiency Ratio
95.52%(60%)

Lending & Liquidity

Total Loans
$304.1M
Loan-to-Deposit Ratio
101.47%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
-2.47%
Deposit Growth (YoY)
-1.84%
Net Income
$586.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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