The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 2 points (61 → 63), mostly because the loan quality component improved by 6 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Massachusetts

Yes. Winter Hill Bank, FSB is an FDIC-insured institution (FDIC certificate #28213). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.3% of deposits ($63.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.04%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.63% (benchmark: 10%).

Check how much of your own balance is covered

Winter Hill Bank, FSB lists 3 offices in 2 cities. Most locations:

• Somerville, MA (2)
• North Reading, MA (1)

All branch addresses and map

In 2025, Winter Hill Bank, FSB reported 92 home-loan applications under HMDA (LEI 254900YEG6LSF1BFA422): 72 originated ($37,260,000 total), 8 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Winter Hill Bank, FSB

Former names

Winter Hill Federal Savings Bank; Winter Hill Federal Savings and Loan Association

Type

Savings bank

FDIC certificate #

28213

RSSD ID

822275

Primary regulator

OCC

Established

January 1, 1906

Headquarters

342 Broadway, Somerville, MA 02145

Website

www.winterhillbank.com

Employees

55