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 90^th largest bank in the state of Massachusetts. It is also the 1,900^th largest bank in the nation. It was established in 1906 and as of March of 2019, it had grown to 59 employees at 3 locations. Winter Hill Bank's money market 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 Q1 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	28213
Year Established	1906
Employees	59
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.58%
Return on Equity - YTD	6.27%
Annual Interest Income	$3.8MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$364.0MM$358.2MM
Loans	Q1 2019vs Q1 2018	$303.5MM$299.4MM
Deposits	Q1 2019vs Q1 2018	$276.7MM$275.0MM
Equity Capital	Q1 2019vs Q1 2018	$34.1MM$32.5MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$3.1MM$3.0MM
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$0$0
Real Estate Owned	Q1 2019vs Q1 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* 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
2.25%	$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
0.50%	$500	-	12 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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