BlastPoint's Banking Scorecard
Winter Hill Bank, FSB
Micro
Specialty: Mortgage
MA
FDIC cert 28213
Designations: ✓ Community bank ✓ Mutual
Somerville, MA
2498
banks in Micro tier nationally
21 in MA
View Micro leaderboard (MA) →
Winter Hill Bank, FSB has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.95% below tier
- - Net Interest Margin 1.32% below tier
- - Efficiency Ratio 27.80% above tier
- - Loan-to-Deposit Ratio 26.94% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$421.0M
-2.5% YoY
+1.5% QoQ
|
+$203.5M |
$217.5M
+2.3% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$302.3M
-5.3% YoY
-1.7% QoQ
|
+$163.1M |
$139.2M
+2.8% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$297.9M
-1.8% YoY
+2.2% QoQ
|
+$114.3M |
$183.7M
+1.8% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
0.14%
+854.0% YoY
-0.2% QoQ
|
-0.95% |
1.08%
+14.7% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
2.53%
+17.5% YoY
-0.2% QoQ
|
-1.32% |
3.85%
+6.6% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
95.52%
-6.1% YoY
-0.0% QoQ
|
+27.80% |
67.73%
-4.8% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
101.47%
-3.5% YoY
-3.9% QoQ
|
+26.94% |
74.53%
+0.5% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.07%
-1.8% YoY
-3.1% QoQ
|
-12.32% |
22.39%
-1.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
16.40%
+5.8% YoY
+2.0% QoQ
|
+7.55% |
8.85%
-3.4% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.17%
-12.0% YoY
+28.5% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (4)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.14%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.53%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
95.52%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
101.47%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
93
93th pctile
Total Loans
Current: $302.3M · Tier avg: $139.2M
91
91th pctile
Total Assets
Current: $421.0M · Tier avg: $217.5M
81
81th pctile
Total Deposits
Current: $297.9M · Tier avg: $183.7M
77
77th pctile
Tier 1 Capital Ratio
Current: 16.40% · Tier avg: 8.85%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.07% · Tier avg: 22.39%
9
9th pctile
Return on Assets
Current: 0.14% · Tier avg: 1.08%
8
8th pctile
Loan-to-Deposit Ratio
Current: 101.47% · Tier avg: 74.53%
6
6th pctile
Efficiency Ratio
Current: 95.52% · Tier avg: 67.73%
6
6th pctile
Net Interest Margin
Current: 2.53% · Tier avg: 3.85%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.53% · Tier avg: 3.85%
6
6th pctile
Efficiency Ratio
Current: 95.52% · Tier avg: 67.73%
8
8th pctile
Loan-to-Deposit Ratio
Current: 101.47% · Tier avg: 74.53%
9
9th pctile
Return on Assets
Current: 0.14% · Tier avg: 1.08%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.07% · Tier avg: 22.39%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.40% · Tier avg: 8.85%
81
81th pctile
Total Deposits
Current: $297.9M · Tier avg: $183.7M
91
91th pctile
Total Assets
Current: $421.0M · Tier avg: $217.5M
93
93th pctile
Total Loans
Current: $302.3M · Tier avg: $139.2M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%