BlastPoint's Banking Scorecard

Winter Hill Bank, FSB

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

Designations: ✓ Mutual

Somerville, MA

3 branches across MA

2664 banks in the $100M-$1B peer group nationally 39 in MA

Winter Hill Bank, FSB has 2 strengths but faces 6 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 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 8.5% in tier
- Liquidity Overhang: Bottom 24.9% in tier
- Deposit Outflow: Bottom 42.9% in tier
- Return on Assets 1.17% below tier average
- Net Interest Margin 1.30% below tier average
- Efficiency Ratio 32.92% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$418.7M -2.8% YoY -0.5% QoQ	+$32.6M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	64%
Total Loans ?	$295.9M -5.1% YoY -2.1% QoQ	+$40.2M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	67%
Total Deposits ?	$300.5M -2.3% YoY +0.9% QoQ	-$27.5M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	55%
Return on Assets ?	0.10% -6.1% YoY -26.3% QoQ	-1.17%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	Bottom 4.7% in tier
Net Interest Margin ?	2.63% +4.6% YoY +3.8% QoQ	-1.30%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	Bottom 4.7% in tier
Efficiency Ratio ?	98.21% +1.4% YoY +2.8% QoQ	+32.92%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	Bottom 2.8% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	98.47% -2.8% YoY -3.0% QoQ	+21.83%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	Bottom 10.2% in tier
Non-Interest-Bearing Deposit Share ?	11.10% -4.7% YoY +10.2% QoQ	-10.92%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	Bottom 13.1% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	16.79% +5.5% YoY +2.4% QoQ	+0.96%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.04% +4.6% YoY -74.8% QoQ	-0.24%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	15%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (3)

Liquidity Strain

risk

#56 of 643 • Bottom 8.5% 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: 98.47%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#185 of 739 • Bottom 24.9% 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: 16.79%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 98.47%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#218 of 506 • Bottom 42.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

634

Tier 1 Capital Ratio

capital

Value: 16.79%

Peer Median: 15.83%

#634 of 2664 Top 23.8% in $100M-$1B

Top Weaknesses (6 metrics)

2590

Efficiency Ratio

profitability

Value: 98.21%

Peer Median: 65.29%

#2590 of 2664 Bottom 2.8% in $100M-$1B

2541

Net Interest Margin

profitability

Value: 2.63%

Peer Median: 3.93%

#2541 of 2664 Bottom 4.7% in $100M-$1B

2539

Return on Assets

profitability

Value: 0.10%

Peer Median: 1.27%

#2539 of 2664 Bottom 4.7% in $100M-$1B

2392

Loan-to-Deposit Ratio

liquidity

Value: 98.47%

Peer Median: 76.64%

#2392 of 2664 Bottom 10.2% in $100M-$1B

2316

Non-Interest-Bearing Deposit Share

funding

Value: 11.10%

Peer Median: 22.02%

#2316 of 2664 Bottom 13.1% in $100M-$1B

2259

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2259 of 2664 Bottom 15.2% in $100M-$1B