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Winter Hill Bank, FSB
Somerville, MA · FDIC Certificate #28213 · Chartered 01/0
Total assets
$407.95M
Total deposits
$299.27M
Total equity
$41.43M
Net loans
$296.56M
Branches (offices)
3
Net income (YTD)
$252.00K
Rank: #2,040 of 4,213 U.S. banks by assets · #74 of 89 in Massachusetts. Assets changed -2.9% and deposits 0.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.12% |
| Return on equity | 1.22% |
| Net interest margin (YTD) | 2.66% |
| Equity to assets | 10.16% |
| Tier 1 leverage ratio | 10.04% |
| Uninsured deposits (share of deposits) | 21.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 99.1% |
| Real estate loans (share of loans) | 100.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $297.95M | 100.5% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $401.00K | 0.1% | |
| Construction & development | $21.39M | 7.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $376.23M | $321.56M | $669.00K | $38.90M |
| Jun 2023 | $429.80M | $360.15M | $197.00K | $39.80M |
| Jun 2024 | $442.98M | $324.69M | -$150.00K | $40.38M |
| Jun 2025 | $420.34M | $297.26M | $309.00K | $40.90M |
| Jun 2026 | $407.95M | $299.27M | $252.00K | $41.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $299.27M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $299.27M.
Similar-sized banks
Pike National Bank ($408.85M) · Southern Bank ($407.88M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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