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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Somerville, MA · FDIC certificate #28213
WINTER HILL BANK FSB is an FDIC-insured institution based in Somerville, MA (FDIC certificate #28213). In its Q3 2026 Call Report it reported total assets of $422M, total deposits of $312M and net loans of $313M. Its primary federal regulator is OCC.
Plain-language readout
WINTER HILL BANK FSB has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $422M in Q3 2026 and were lowest at $408M in Q2 2026.
Total deposits were highest at $312M in Q3 2026 and lowest at $299M in Q2 2026.
Over the whole period total assets rose 0.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $422M | $312M | $313M | 0.16% | 1.66% | 2.71% |
| Q2 2026 | $408M | $299M | $297M | 0.12% | 1.22% | 2.66% |
| Q1 2026 | $419M | $300M | $296M | 0.10% | 1.04% | 2.63% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $23.5M | $31.2M | -$7.7M | -24.7% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $77.0M | $79.9M | -$2.9M | -3.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $296.6M | $295.9M | +$663K | +0.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.2M | $5.2M | -$53K | -1.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $164K | $149K | +$15K | +10.1% |
| All other assets | $5.6M | $6.3M | -$790K | -12.5% |
| Total assets | $407.9M | $418.7M | -$10.8M | -2.6% |
| Liabilities | ||||
| Total deposits | $299.3M | $300.5M | -$1.2M | -0.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $64.0M | $73.0M | -$9.0M | -12.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.2M | $3.9M | -$696K | -17.6% |
| Total liabilities | $366.5M | $377.4M | -$10.9M | -2.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $41.4M | $41.3M | +$145K | +0.4% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $41.4M | $41.3M | +$145K | +0.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $43.1M | $42.9M | +$130K | +0.3% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.03% | 0.16% | -0.14 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.87% | 16.79% | +0.07 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.87% | 16.79% | +0.07 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.76% | 0.77% | -0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.63% | 17.56% | +0.07 pts | See points |
| Tier 1 leverage (approximate) | 10.04% | 9.95% | +0.09 pts | See points |
| Construction and land loans to total capital | 49.42% | 61.96% | -12.54 pts | See points |
| Commercial real estate to total capital | 187.60% | 198.09% | -10.49 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -18.36% | -19.47% | +1.11 pts | See points |
| Liquidity | ||||
| Core deposits | $264.0M | $263.4M | +$605K | +0.2% |
| Non-core funding | $99.2M | $110.0M | -$10.8M | -9.8% |
| Loans to core deposits | 112.99% | 113.00% | -0.01 pts | See points |
| Loans to deposits | 99.69% | 99.07% | +0.62 pts | See points |
| Brokered deposits share of deposits | 3.55% | 3.53% | +0.01 pts | See points |
| Pledged securities share of securities | 50.91% | 52.79% | -1.88 pts | See points |
| Loans pledged, share of loans | 66.09% | 67.16% | -1.07 pts | See points |
| Volatile liabilities | $99.2M | $110.0M | -$10.8M | -9.8% |
| Earnings | ||||
| Earnings before provision, year to date | $177K | $51K | +$126K | +247.1% |
| Earnings before provision, single quarter | $126K | $51K | +$75K | +147.1% |
| Provision for credit losses, year to date | -$62K | -$45K | -$17K | -37.8% |
| Yield and cost | ||||
| Yield on loans and leases | 5.22% | 5.27% | -0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 3.68% | 3.66% | +0.03 pts | See points |
| Total interest income to average assets | 4.51% | 4.56% | -0.04 pts | See points |
| Cost of interest-bearing transaction accounts | 0.06% | 0.06% | +0.00 pts | See points |
| Cost of savings and money market deposits | 1.59% | 1.51% | +0.09 pts | See points |
| Cost of time deposits | 3.15% | 3.34% | -0.19 pts | See points |
| Total interest expense to average assets | 1.90% | 1.99% | -0.08 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $422M | $312M | $313M | 0.16% | 1.66% | 2.71% |
| 2026-06-30 | $408M | $299M | $297M | 0.12% | 1.22% | 2.66% |
| 2026-03-31 | $419M | $300M | $296M | 0.10% | 1.04% | 2.63% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| MA | $297.3M | 0.05% | 93 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.