President’s Message 2026
To The Members of Winter Hill Bank, FSB:
Honoring Our Past. Building Our Future
As Winter Hill Bank celebrates its 120th anniversary, we find ourselves at an exciting moment in our institution’s history. Since our founding in 1906, the Bank has remained committed to financial strength, personal service, and community involvement. These values have guided us for generations and continue to serve as the foundation for our future.
It is with great pride and a deep sense of responsibility that I begin this next chapter as President and Chief Executive Officer of Winter Hill Bank.
A Legacy of Leadership
As we look ahead, I would like to recognize my predecessor, Sandra L. McGoldrick, for her many years of dedicated service and leadership. Throughout her tenure as President and CEO, Sandra demonstrated an unwavering commitment to the Bank, its employees, customers, and the communities we serve.
Her leadership helped strengthen the Bank’s financial position, reinforce its reputation as a trusted community institution, and preserve the personal relationships that have distinguished Winter Hill Bank for more than a century. Her dedication to community involvement and her belief in the importance of local banking have left a lasting mark on our organization.
I am grateful for Sandra’s years of service, her many contributions, and the strong foundation she has helped build.
Building on 120 Years of Trust
As I look ahead to this next chapter for Winter Hill Bank, I do so with great respect for our history and the foundation established by those who came before me.
Winter Hill Bank is strong because of its people. It is strong because of its customers. It is strong because of its history, its values, and its commitment to community banking. My responsibility, and my privilege, will be to carry that forward with the same care and dedication that have guided this institution for so many years.
Our greatest strength has always been the relationships we build. As a community bank, we have the opportunity to truly know our customers, understand their needs, and provide personalized financial solutions. Our dedicated employees make this possible through their professionalism, commitment, and genuine concern for those we serve.
Looking Toward the Future
While we take great pride in our history, we must also embrace the opportunities ahead. The banking industry continues to evolve, and we recognize the importance of adapting to changing customer expectations, technological advancements, and an increasingly competitive financial environment.
We will continue to invest in technology, enhance our products and services, and seek opportunities to better serve individuals, families, and businesses. At the same time, we will remain committed to the personal attention, accessibility, and local decision-making that define community banking.
I firmly believe that innovation and tradition can work hand in hand. Our goal is to provide modern banking conveniences while preserving the relationships and exceptional customer service that have earned the trust of generations.
Our Commitment to Community
We have been more than a financial institution. We have been a neighbor, a supporter of local businesses, a contributor to charitable organizations, and a partner in helping our communities grow and prosper.
From Somerville to North Reading and the surrounding communities, we remain dedicated to supporting organizations and initiatives that make a meaningful difference in people’s lives.
As President and CEO, I am committed to ensuring that Winter Hill Bank remains an active and trusted community partner for generations to come.
Moving Forward Together
I am optimistic about the future of Winter Hill Bank. We have a strong financial foundation, dedicated employees, loyal customers, and a proud tradition of service.
To our customers and members, thank you for your continued confidence and trust. To our employees and Board of Directors, thank you for your dedication and commitment to our institution’s success.
Our leadership may change, but our values, our commitment to our customers, and our dedication to the communities we serve will remain steadfast.
I look forward to building upon Winter Hill Bank’s proud legacy and continuing our tradition of “Exceptional Service Without … Exception”.
Respectfully,
Thomas P. Sullivan, Jr.
President & Chief Executive Officer
