Winter Hill Bank, Fsb is a bank based in Somerville, Massachusetts, established in 1906, with $419 million in total assets across 3 branches. By Trust Grade it ranks 58th of 91 banks we track in Massachusetts. Its capital ratio of 9.9% trails most similarly sized banks (45th percentile), versus a Massachusetts median of 10.2%. It was profitable over the most recent period, with a 0.10% return on assets. No consumer complaints against Winter Hill Bank, Fsb appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Winter Hill Bank, Fsb compares to Massachusetts peers
How we graded Winter Hill Bank, Fsb
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.9% capital ratio)
- Profitable (ROA 0.10%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Winter Hill Bank, Fsb over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 5 Cutter Ave, Somerville, MA 02144
- 271 Main St, North Reading, MA 01864
- 342 Broadway, Somerville, MA 02145
Are deposits at Winter Hill Bank, Fsb insured?
Yes. Winter Hill Bank, Fsb is an FDIC-insured bank (FDIC certificate #28213). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Winter Hill Bank, Fsb: frequently asked questions
Is Winter Hill Bank, Fsb a good bank?
Winter Hill Bank, Fsb earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Strongly capitalized (9.9% capital ratio); Profitable (ROA 0.10%).
Is Winter Hill Bank, Fsb FDIC-insured?
Yes. Winter Hill Bank, Fsb is a FDIC-insured bank (FDIC certificate #28213). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Winter Hill Bank, Fsb?
Winter Hill Bank, Fsb holds $419 million in total assets, ranking 58th of 91 banks we track in Massachusetts. It operates 3 branches.
Does Winter Hill Bank, Fsb have CFPB complaints?
No CFPB complaints against Winter Hill Bank, Fsb appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
