Bank · FDIC insured
Winter Hill Bank
A $407.9M bank headquartered in Somerville, MA, with 3 branches in Massachusetts. Best rates: CDs 4.20% and savings 0.40% APY.
Winter Hill Bank Carrot Score
76
Carrot Score
Higher than 40% of U.S. banks and credit unions
#78 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Winter Hill Bank
Established in 1906, Winter Hill Bank is a mutual federal savings bank with its main office in Somerville, Massachusetts.
The bank operates three full-service locations, a Loan Center, and an Operations Center serving Eastern Massachusetts.
It specializes in personal and consumer banking, small business banking services, and real estate lending from residential mortgages to investment property financing.
- Headquarters
- 342 Broadway, Somerville, MA 02145
- FDIC certificate
- 28213 ↗
Branches
3 branches in Massachusetts
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Massachusetts
3 branches
- Winter Hill Bank, FSBMain office342 Broadway, Somerville, MA 02145Directions
- 265mainstreet Branch271 Main St, North Reading, MA 01864Directions
- Cutter Avenue Branch5 Cutter Ave, Somerville, MA 02144Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.04% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.12% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $100 | $81 | — |
- CapitalLeverage ratio10.04%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.12%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$100Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Winter Hill Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.