Winter Hill Bank

Overview / Commentary

www.winterhillbank.com

617-666-8600

342 Broadway
Somerville, MA 02145

Winter Hill Bank is headquartered in Somerville and is the 91^st largest bank in the state of Massachusetts. It is also the 1,885^th largest bank in the nation. It was established in 1906 and as of December of 2018, it had grown to 57 employees at 3 locations. Winter Hill Bank's CD rates are 3X the national average, and it has a B+ health rating.

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2017

6/29 - Winter Hill Bank's 20-Month CD Puts Sizzle In Your Summer

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Health

B+

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	28213
Year Established	1906
Employees	57
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.35%
Return on Equity - YTD	3.88%
Annual Interest Income	$14.1MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$365.5MM$357.0MM
Loans	Q4 2018vs Q4 2017	$309.3MM$296.8MM
Deposits	Q4 2018vs Q4 2017	$274.4MM$274.0MM
Equity Capital	Q4 2018vs Q4 2017	$33.6MM$32.3MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$3.1MM$3.0MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$0$0
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Winter Hill Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Winter Hill Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	$10	-	Passbook Savings
0.10%	$10	-	Statement Savings
0.10%	$10	-	Christmas Club

Winter Hill Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.25%^*	$500k^*	$3m	Prestige MMDA
OTHER TIERS: 0.25% → $10+ \| 0.50% → $25k - $100k \| 0.75% → $100k - $250k \| 1.00% → $250k - $500k

Winter Hill Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$2k^*	-	IOLTA Super NOW Checking
OTHER TIERS: 0.10% → $10 - $2k
0.15%^*	$2k^*	-	Super NOW Checking
OTHER TIERS: 0.10% → $10 - $2k
0.10%	$10	-	Classic NOW Checking

Winter Hill Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.60%	$500	-	12 Month CD Special
2.40%	$500	-	9 Month CD Special
2.10%	$500	-	60 Month CD
1.50%	$500	-	48 Month CD
1.25%	$500	-	36 Month CD
1.00%	$500	-	24 Month CD
0.85%	$500	-	18 Month CD
0.75%	$500	-	15 Month CD
0.25%	$500	-	6 Month CD
0.15%	$500	-	3 Month CD

Winter Hill Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.65%	$500	-	18 Month Statement IRA

Locations

Winter Hill Bank Locations
265mainstreet Branch	271 Main Street	North Reading, MA 01864
Winter Hill Bank, FSB	342 Broadway	Somerville, MA 02145
Cutter Avenue Branch	5 Cutter Avenue	Somerville, MA 02144

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