| Metric | Winter Hill Bank, FSB | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +4.4% | -7.3 pts |
| Deposit growth (YoY) | +0.7% | +4.0% | -3.3 pts |
| Loan growth (YoY) | -4.2% | +5.6% | -9.8 pts |
| ROA | 0.12% | 1.24% | -1.1 pts |
| ROE | 1.2% | 11.9% | -10.6 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $407.9M | $299.3M | $296.6M | $41.4M | $252K | 0.12% | 2.66% | 0.00% |
| Q1 2026 | $418.7M | $300.5M | $295.9M | $41.3M | $107K | 0.10% | 2.63% | 0.00% |
| Q4 2025 | $421.0M | $297.9M | $302.3M | $41.2M | $586K | 0.14% | 2.53% | 0.00% |
| Q3 2025 | $414.7M | $291.4M | $307.6M | $41.0M | $441K | 0.14% | 2.54% | 0.13% |
| Q2 2025 | $420.3M | $297.3M | $309.7M | $40.9M | $309K | 0.14% | 2.53% | 0.13% |
| Q1 2025 | $430.6M | $307.6M | $311.7M | $40.7M | $117K | 0.11% | 2.51% | 0.12% |
| Q4 2024 | $431.6M | $303.5M | $319.2M | $40.6M | $64K | 0.01% | 2.16% | 0.12% |
| Q3 2024 | $440.4M | $301.8M | $318.4M | $40.4M | $-118K | -0.04% | 2.11% | 0.00% |
Loan mix (Q2 2026): real estate $298.0M · commercial $0 · consumer $401K · securities $77.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Winter Hill Bank, FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 1.24% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 11.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.66% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.9% | 62.9% | 97th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Winter Hill Bank, FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Winter Hill Bank, FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Winter Hill Bank, FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Winter Hill Bank, FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Winter Hill Bank, FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 1 county across 1 state (+0 vs 2024) · $297.3M branch deposits. Biggest market: Middlesex, MA, ranked 42nd with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, MA | 3 | $297.3M | 0.31% | 42nd |
Massachusetts: 119th with 0.05% · Boston-Cambridge-Newton metro: 82nd, 0.05% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3