BlastPoint

BlastPoint's Banking Scorecard

Winter Hill Bank, FSB

$100M-$1B Specialty: Mortgage MA FDIC cert 28213

Designations: ✓ Mutual

Somerville, MA

3 branches across MA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MA.
  • Deposits +0.7% year over year ($299.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.12%.
  • Efficiency ratio 96.93% vs a 64.48% peer average.
  • Loan-to-deposit ratio 99.09% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MA
View $100M-$1B leaderboard (MA) →

Winter Hill Bank, FSB has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 10.1% in tier
  • - Liquidity Overhang: Bottom 25.5% in tier
  • - Return on Assets 1.20% below tier average
  • - Net Interest Margin 1.32% below tier average
  • - Efficiency Ratio 32.45% above tier average
Get updates when Winter Hill Bank, FSB releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $407.9M
-2.9% YoY -2.6% QoQ
+$21.4M $386.6M
+1.2% YoY
$7.0B
+13.2% YoY
$6.3B
+7.7% YoY
62%
Total Loans ? $296.6M
-4.2% YoY +0.2% QoQ
+$38.2M $258.3M
+1.7% YoY
$2.5B
+16.1% YoY
$3.2B
+9.4% YoY
67%
Total Deposits ? $299.3M
+0.7% YoY -0.4% QoQ
-$27.5M $326.7M
+0.7% YoY
$5.6B
+14.9% YoY
$4.9B
+7.3% YoY
55%
Return on Assets ? 0.12%
-16.2% YoY +18.9% QoQ
-1.20% 1.32%
+10.8% YoY
0.66%
+38.5% YoY
1.30%
+12.1% YoY
Bottom 4.5% in tier
Net Interest Margin ? 2.66%
+5.4% YoY +1.3% QoQ
-1.32% 3.99%
+5.0% YoY
3.05%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 4.4% in tier
Efficiency Ratio ? 96.93%
+1.7% YoY -1.3% QoQ
+32.45% 64.48%
-3.2% YoY
79.07%
-1.9% YoY
70.05%
+2.5% YoY
Bottom 2.8% in tier
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
0.74%
+5.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 99.09%
-4.9% YoY +0.6% QoQ
+21.14% 77.95%
+1.0% YoY
91.41%
-1.2% YoY
79.03%
+2.3% YoY
Bottom 11.4% in tier
Non-Interest-Bearing Deposit Share ? 11.19%
+14.5% YoY +0.8% QoQ
-10.84% 22.03%
-0.6% YoY
16.01%
-3.7% YoY
21.98%
-0.6% YoY
Bottom 12.9% in tier
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.59%
+7.5% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 16.87%
+4.9% YoY +0.4% QoQ
+0.96% 15.91%
+1.4% YoY
15.08%
+1.7% YoY
17.09%
+0.8% YoY
76%
Non-Interest Income / Assets ? 0.10%
+12.6% YoY +133.9% QoQ
-0.47% 0.57%
+7.6% YoY
0.57%
+4.1% YoY
0.66%
+5.2% YoY
18%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Noninterest-Bearing 11.2%
+1.4pp YoY
+0.1pp QoQ
 -11.0pp 22.1% 16.2% 22.2% 12%
Brokered Deposits 3.5%
-3.7pp YoY
0.0pp QoQ
 -4.3pp 7.9% 6.1% 8.5% 42%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
C&I n/a n/a 11.6% 6.5% 12.5% n/a
CRE 29.0%
-2.3pp YoY
-1.5pp QoQ
 -10.5pp 39.5% 40.3% 41.4% 33%
1-4 Family 71.5%
+2.3pp YoY
+1.5pp QoQ
 +38.8pp 32.6% 52.4% 31.3% 95%
Consumer 0.1%
0.0pp YoY
-0.1pp QoQ
 -4.0pp 4.1% 1.6% 5.0% 7%

Capital

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
CET1 Ratio 16.9%
+0.8pp YoY
+0.1pp QoQ
 -2.0pp 18.8% 16.6% 19.7% 63%
Leverage Ratio 10.0%
+0.4pp YoY
+0.1pp QoQ
 -2.1pp 12.2% 11.5% 12.6% 32%
Total Capital Ratio 17.6%
+0.8pp YoY
+0.1pp QoQ
 -2.3pp 19.9% 17.5% 20.8% 61%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Full-Time Employees 55
-3 (-5.2%) YoY
+3 (+5.8%) QoQ
 -4 58 755 482 58%
Assets per Employee ($) $7.4M
+2.3% YoY
-7.9% QoQ
 -$101K $7.5M $10.7M $8.8M 59%
Branch Count 3
0 YoY
0 QoQ
 -2 4 13 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 7.95x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
ROE 1.2%
-0.3pp YoY
+0.2pp QoQ
 -11.0pp 12.2% 5.6% 11.6% 5%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 +0.3pp 1.7% 2.0% 1.7% 70%
Net Income ($, YTD) $252,000
-18.4% YoY
— QoQ
 -$2.3M $2.6M $31.7M $40.4M 6%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk
#71 of 691 • Bottom 10.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 99.09%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#190 of 742 • Bottom 25.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.87%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 99.09%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
625
Tier 1 Capital Ratio
capital
Value: 16.87%
Peer Median: 15.91%
#625 of 2643 Top 23.6% in $100M-$1B

Top Weaknesses (6 metrics)

2570
Efficiency Ratio
profitability
Value: 96.93%
Peer Median: 64.48%
#2570 of 2643 Bottom 2.8% in $100M-$1B
2528
Net Interest Margin
profitability
Value: 2.66%
Peer Median: 3.99%
#2528 of 2643 Bottom 4.4% in $100M-$1B
2525
Return on Assets
profitability
Value: 0.12%
Peer Median: 1.32%
#2525 of 2643 Bottom 4.5% in $100M-$1B
2343
Loan-to-Deposit Ratio
liquidity
Value: 99.09%
Peer Median: 77.95%
#2343 of 2643 Bottom 11.4% in $100M-$1B
2302
Non-Interest-Bearing Deposit Share
funding
Value: 11.19%
Peer Median: 22.03%
#2302 of 2643 Bottom 12.9% in $100M-$1B
2175
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2175 of 2643 Bottom 17.7% in $100M-$1B
Powered by BlastPoint © 2026