Side-by-side · Q2 2026 data
Winter Hill Bank, FSB vs Seamen's Bank
Metric by metric
| Measure | Winter Hill Bank, FSB | Seamen's Bank |
|---|---|---|
| TellerScore | 63 | 70 (stronger) |
| Capital cushion | 50 | 76 (stronger) |
| Loan quality | 100 (stronger) | 75 |
| Earnings | 25 | 44 (stronger) |
| Funding & liquidity | 54 | 69 (stronger) |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 24th | 43rd |
| Total assets | $407.9M | $478.5M |
| Deposits / shares | $299.3M | $405.4M |
| Capital ratio | 10.04% | 12.57% (stronger) |
| Problem loans | 0.00% (stronger) | 0.76% |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 0.12% | 0.60% (stronger) |
| Loans ÷ deposits | 99.1% | 89.6% (stronger) |
| Uninsured deposits | 21.3% | 16.9% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | — |
Seamen's Bank has the higher TellerScore (70 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Winter Hill Bank, FSB leads on 1 and Seamen's Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.