Side-by-side · Q2 2026 data
Charles River Bank vs Winter Hill Bank, FSB
Metric by metric
| Measure | Charles River Bank | Winter Hill Bank, FSB |
|---|---|---|
| TellerScore | 57 | 63 (stronger) |
| Capital cushion | 29 | 50 (stronger) |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 36 (stronger) | 25 |
| Funding & liquidity | 70 (stronger) | 54 |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 14th | 24th |
| Total assets | $336.1M | $407.9M |
| Deposits / shares | $312.6M | $299.3M |
| Capital ratio | 7.93% | 10.04% (stronger) |
| Problem loans | 0.47% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.41% (stronger) | 0.12% |
| Loans ÷ deposits | 73.8% (stronger) | 99.1% |
| Uninsured deposits | 29.6% | 21.3% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.0% | 10.0% |
Winter Hill Bank, FSB has the higher TellerScore (63 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Charles River Bank leads on 3 and Winter Hill Bank, FSB on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.