Is Winter Hill Bank FSB Safe?
Winter Hill Bank FSB has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (15/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.54% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 25.17% | 81/100 |
| Return on Assets | -0.12% | 15/100 |
| Total Assets | $0.4B | |
How does Winter Hill Bank FSB compare?
With a Bank Health Score of 87/100, Winter Hill Bank FSB sits 17.0 points above the national average of 70/100 for FDIC-insured banks. Within Massachusetts, where 97 FDIC-insured banks are headquartered, Winter Hill Bank FSB ranks above the state average of 68/100 (Grade B).
The bank's Tier 1 capital ratio of 15.54% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Winter Hill Bank FSB's Bank Health Score fell by 1.0 points to 87/100. Tier 1 capital was essentially flat at 15.54%.
Winter Hill Bank FSB has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (15/100).