President’s Message 2026
To The Members of Winter Hill Bank, FSB:
Looking Back at 2025
As we reflect on this past year, I’m proud to share that Winter Hill Bank continues to grow in ways that reflect both our core values and our evolving role in the financial lives of our retail and commercial customers that we serve. Last year was a year that focused on delivering safe, sound and convenient solutions that helped individuals and families achieve their financial goals which has been our mission since the Bank’s founding in 1906. What continues to set WHB apart is the personal connections and relationships that we have maintained with our customers and neighbors through the years and will continue into the future.
WHB is more than just a bank, we’re a community partner. Our achievements were many both financially and assisting those that need our help. The Bank’s capital position remained a core strength throughout 2025, closing the year at a record level of approximately 10%, reinforcing the institution’s resilience and capacity for continued growth and I am honored to say that we partnered with many non-profit and profit agencies, giving of our time and expertise in so many critical areas. To name a few, they include the Somerville Homeless Coalition and their Annual SK Road Race, Somerville Kiwanis, Rotary Club of Reading, Somerville Community Land Trust a community based non-profit with a mission to build community power and stability in Somerville by acquiring residences and land and making them permanently affordable. Winter Hill Bank has once again received an “Outstanding” rating under the Community Reinvestment Act (CRA) from the Office of the Comptroller of the Currency. This marks the Bank’s seventh consecutive top rating-an achievement that reflects our strong performance in community development lending, affordable housing finance, and providing accessible banking and financial services.
Other agencies include the Somerville and Reading/North Reading Chambers of Commerce, North Reading Middle and High School Reality Fair, the North Reading Town Day and lastly, the YMCA a nearly 160 year old community institution in Somerville which is launching its first ever capital campaign for a new Community Campus which will address critical needs by preventing community isolation and providing safe, flexible, state of the art services and spaces for youth, families and the entire community AND yes, WHB has been a partner with the Y for decades.
These volunteering efforts could not be done by one person alone but rather are fulfilled by the unique team we have built at WHB, from the top down that includes the Board of Directors, the CEO, the Executive Officers, Officers and Staff who continually give of their time and support to these vital agencies. This commitment to volunteerism are moments that are more than just volunteering but rather reminders of the deep relationships we’ve built in Somerville, North Reading and the surrounding communities.
Looking Towards 2026 and Beyond
As we look forward to the future, one thing is undeniable, and that is change will be constant but our commitment remains unwavering and that is to provide that “Exceptional Service Without … Exception”, to everyone who walks through our doors or reaches out to us for assistance.
Our commitment is to strengthen all types of technological innovation that will continue to improve customer service whether it is in person or from any one of your personal devices. Our efforts are to ensure that our customers have access to modern banking tools they can use with trust and confidence no matter what time of day or where life takes them. Whether you’re managing personal finances from your phone or running a business with efficiency top of mind, the WHB team is here to support you every step of the way. I encourage you to take advantage of the tools we’ve put in place to make your banking simple, user friendly and seamless. Thank you for choosing WHB as your financial partner, for the trust that you our customers place in us every day and “Here’s to another year of growing together.”
Respectfully submitted,
Sandra L. McGoldrick
President/CEO
