Winter Hill Bank, FSB
Somerville, MA
IDRSSD: 822275
Total Assets
$420.96M
Latest filing
Total Deposits
$297.92M
Latest filing
Net Interest Margin
2.54%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
211370406SOMERVILLE, MA
Key People
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Locations
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Main Office
Winter Hill Bank, FSB
342 Broadway
Somerville, MA 02145
Full Service - Brick and Mortar
Updated 01/30/2026Established 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
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 57 |
| 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 | 01/30/2026 |
| CERT | 28213 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $420.96M |
| Total Deposits | $297.92M |
| Total Liabilities | $379.78M |
| Total Equity Capital | $41.18M |
| Net Income | $145.00k |
| Net Loans and Leases | $302.29M |
| Assets Per Employee ($Millions) | $7.65M |
| Bank Premises and Fixed Assets | $5.30M |
| Cash and Balances due from Depository Institutions | $26.61M |
| Deposits Held in Domestic Offices | $297.92M |
Key Performance Ratios
| Return on Assets (ROA) | 0.14% |
| Return on Equity (ROE) | 1.41% |
| Net Interest Margin | 2.54% |
| Efficiency Ratio | 95.42% |
| Tier 1 Risk-Based Capital Ratio | 16.398% |
| 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 | 9.782% |
| Earning Assets to total Assets | 96.65% |
Income and Expense
| Total Interest Income | $4.84M |
| Total Noninterest Income | $164.00k |
| Total Interest Expense | $2.27M |
| Total Noninterest Expense | $2.60M |
| Net Interest Income | $2.56M |
| Pre-tax Net Operating Income | $142.00k |
| Provision for Credit Losses | $-17,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| 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 | $3.86M |
| Total Liabilities and Capital | $420.96M |
Securities
| Securities | $80.08M |
| Available-for-sale debt securities | $14.00k |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $80.06M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Winter Hill Bank, FSB?
$420.96M as of the latest filing.
How much are Winter Hill Bank, FSB's total deposits?
$297.92M in total deposits.
Where is Winter Hill Bank, FSB located?
Somerville, MA.
What is the Net Interest Margin?
2.54%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1906.
What is the Return on Assets (ROA)?
0.14%.
How much are total loans and leases?
$302.29M (latest filing).
What is the total interest income (latest filing)?
$4.84M.