Winter Hill Bank FSB
Somerville, Massachusetts · FDIC Cert #28213
Winter Hill Bank FSB is an FDIC-insured bank (Certificate #28213) with $443M in total assets and $325M in total deposits as of the Q2 2024 Call Report. Headquartered in Somerville, Massachusetts, the bank maintains a Tier 1 capital ratio of 15.54% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (87/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Winter Hill Bank FSB (FDIC cert 28213) is a community bank — $443M in total assets, $325M in deposits, serving the Somerville, Massachusetts area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 15.54% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 25.2% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is negative: ROA of -0.12% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Winter Hill Bank FSB carries a composite BankHealth grade of A (87/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Winter Hill Bank FSB
- Total Assets
- $443M
- Total Deposits
- $325M
- Tier 1 Capital Ratio
- 15.54%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 25.17%
- Return on Assets
- -0.12%
- Headquarters
- Somerville, Massachusetts
- FDIC Certificate
- #28213
- Health Grade
- A (87/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Winter Hill Bank FSB holds a Tier 1 capital ratio of 15.54%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Winter Hill Bank FSB has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Winter Hill Bank FSB shows strong financial health indicators. With $443M in assets and a Health Score of 87/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Winter Hill Bank FSB Compares
Winter Hill Bank FSB’s Health Score of 87 is 19 points above the Massachusetts state average of 68 across 97 FDIC-insured banks. Its 15.54% Tier 1 capital ratio is 1.5 points above the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of -0.12% is below the national ROA benchmark of ~1.1%. Among 1503 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Winter Hill Bank FSB is 17 points above the portfolio average of 70.
Frequently Asked Questions
Winter Hill Bank FSB has a Bank Health Score of A (87/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 15.54%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Winter Hill Bank FSB's Tier 1 capital ratio of 15.54% and nonperforming loan ratio of 0.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Winter Hill Bank FSB is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #28213). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Winter Hill Bank FSB holds $443M in total assets and $325M in total deposits. It is headquartered in Somerville, Massachusetts (FDIC Certificate #28213).
Winter Hill Bank FSB has a Tier 1 capital ratio of 15.54%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is -0.12%.
Yes. Winter Hill Bank FSB is FDIC-insured (Certificate #28213). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Winter Hill Bank FSB's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.