Winter Hill Bank, FSB
Somerville, MA
IDRSSD: 822275
Total Assets
$414.71M
Latest filing
Total Deposits
$291.42M
Latest filing
Net Interest Margin
2.56%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Winter Hill Bank, FSB
342 Broadway
Somerville, MA 02145
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1906FDIC Certificate 41047
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Winter Hill Bank, FSB (Main) | 342 Broadway | Somerville, MA |
| CUTTER AVENUE BRANCH | 5 Cutter Ave | Somerville, MA |
| 265MAINSTREET BRANCH | 271 Main St | North Reading, MA |
Showing 2 of 2
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Middlesex Federal Savings, F.A.
Somerville, Massachusetts
→
Assets: $661.37MΔ +57.3%
The Pittsfield Co-operative Bank
Pittsfield, Massachusetts
→
Assets: $422.90MΔ +0.6%
North Brookfield Savings Bank
North Brookfield, Massachusetts
→
Assets: $432.68MΔ +2.9%
The National Grand Bank of Marblehead
Marblehead, Massachusetts
→
Assets: $441.81MΔ +5.1%
BankGloucester
Gloucester, Massachusetts
→
Assets: $390.41MΔ -7.1%
Seamen's Bank
Provincetown, Massachusetts
→
Assets: $467.95MΔ +11.3%
Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1906 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 02145 |
| State and County Number | 25017 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 34 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Boston-Cambridge-Newton, MA-NH |
Operational Info
| Number of Employees | 58 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.winterhillbank.com |
| Data Updated | 11/14/2025 |
| CERT | 28213 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $414.71M |
| Total Deposits | $291.42M |
| Total Liabilities | $373.67M |
| Total Equity Capital | $41.03M |
| Net Income | $132.00k |
| Net Loans and Leases | $307.56M |
| Assets Per Employee ($Millions) | $7.28M |
| Bank Premises and Fixed Assets | $5.44M |
| Cash and Balances due from Depository Institutions | $14.19M |
| Deposits Held in Domestic Offices | $291.42M |
Key Performance Ratios
| Return on Assets (ROA) | 0.13% |
| Return on Equity (ROE) | 1.29% |
| Net Interest Margin | 2.56% |
| Efficiency Ratio | 96.12% |
| Tier 1 Risk-Based Capital Ratio | 16.08% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.895% |
| Earning Assets to total Assets | 96.85% |
Income and Expense
| Total Interest Income | $4.89M |
| Total Noninterest Income | $172.00k |
| Total Interest Expense | $2.30M |
| Total Noninterest Expense | $2.65M |
| Net Interest Income | $2.59M |
| Pre-tax Net Operating Income | $126.00k |
| Provision for Credit Losses | $-19,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $78.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.25M |
| Total Liabilities and Capital | $414.71M |
Securities
| Securities | $81.49M |
| Available-for-sale debt securities | $14.00k |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $81.48M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Winter Hill Bank, FSB?
$414.71M as of the latest filing.
How much are Winter Hill Bank, FSB's total deposits?
$291.42M in total deposits.
Where is Winter Hill Bank, FSB located?
Somerville, MA.
What is the Net Interest Margin?
2.56%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1906.
What is the Return on Assets (ROA)?
0.13%.
How much are total loans and leases?
$307.56M (latest filing).
What is the total interest income (latest filing)?
$4.89M.