BlastPoint's Banking Scorecard
Webster Bank, National Association
Stamford, CT
194 branches across CT · NY · MA · RI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 1 in CT.
- Deposits +6.1% year over year ($70.7B on the books).
- Delinquency rate 0.77%.
- Return on assets 1.24%.
- Efficiency ratio 48.71% vs a 53.67% peer average.
- Loan-to-deposit ratio 80.88% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Webster Bank, National Association has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.96% below tier average
- + Delinquency Rate 0.24% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Net Interest Margin 0.61% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$85.9B
+5.0% YoY
+0.4% QoQ
|
+$42.3B |
$43.6B
-13.8% YoY
|
$4.8B
+5.5% YoY
|
$6.3B
+7.7% YoY
|
Top 12.9% in tier |
| Total Loans ? |
$57.2B
+7.4% YoY
+1.1% QoQ
|
+$29.2B |
$28.0B
-8.6% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Top 12.2% in tier |
| Total Deposits ? |
$70.7B
+6.1% YoY
+1.9% QoQ
|
+$35.3B |
$35.4B
-14.0% YoY
|
$3.9B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
Top 12.2% in tier |
| Return on Assets ? |
1.24%
-0.4% YoY
+0.2% QoQ
|
-0.15% |
1.39%
+25.9% YoY
|
1.11%
+57.7% YoY
|
1.30%
+12.1% YoY
|
48% |
| Net Interest Margin ? |
3.31%
-3.9% YoY
-0.6% QoQ
|
-0.61% |
3.92%
+8.9% YoY
|
3.44%
+11.6% YoY
|
3.95%
+4.9% YoY
|
35% |
| Efficiency Ratio ? |
48.71%
+5.7% YoY
+1.5% QoQ
|
-4.96% |
53.67%
-1.9% YoY
|
72.27%
-70.9% YoY
|
70.05%
+2.5% YoY
|
74% |
| Delinquency Rate ? |
0.77%
-27.8% YoY
-18.4% QoQ
|
-0.24% |
1.01%
-2.8% YoY
|
0.70%
-4.9% YoY
|
0.98%
+16.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
80.88%
+1.2% YoY
-0.7% QoQ
|
-1.73% |
82.61%
+3.1% YoY
|
91.71%
+1.4% YoY
|
79.03%
+2.3% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
14.28%
-8.9% YoY
-0.7% QoQ
|
-6.30% |
20.58%
+4.9% YoY
|
22.06%
+1.6% YoY
|
21.98%
-0.6% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.52%
-26.1% YoY
-17.8% QoQ
|
-0.22% |
0.73%
+5.8% YoY
|
0.53%
-3.6% YoY
|
0.69%
+15.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
12.23%
-2.5% YoY
+1.3% QoQ
|
-3.12% |
15.35%
-0.4% YoY
|
14.05%
-0.0% YoY
|
17.09%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.24%
+10.6% YoY
+104.4% QoQ
|
-0.26% |
0.50%
+10.5% YoY
|
0.35%
+5.1% YoY
|
0.66%
+5.2% YoY
|
30% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
14.3%
-1.4pp YoY -0.1pp QoQ |
-6.8pp | 21.0% | 22.1% | 22.2% | 22% |
| Brokered Deposits |
4.4%
+0.4pp YoY +1.9pp QoQ |
-4.9pp | 9.2% | 8.1% | 8.5% | 42% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.2%
-2.4pp YoY -0.4pp QoQ |
0.0pp | 17.2% | 11.4% | 12.5% | 56% |
| CRE |
39.5%
-0.6pp YoY -0.3pp QoQ |
-2.6pp | 42.0% | 42.4% | 41.4% | 41% |
| 1-4 Family |
19.4%
-1.1pp YoY -0.2pp QoQ |
-3.7pp | 23.1% | 42.2% | 31.3% | 42% |
| Consumer |
0.7%
+0.1pp YoY -0.1pp QoQ |
-12.2pp | 12.9% | 4.1% | 5.0% | 30% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.2%
-0.3pp YoY +0.2pp QoQ |
-3.0pp | 15.3% | 15.0% | 19.7% | 29% |
| Leverage Ratio |
8.5%
-0.6pp YoY 0.0pp QoQ |
-1.9pp | 10.4% | 12.7% | 12.6% | 12% |
| Total Capital Ratio |
13.5%
-0.3pp YoY +0.1pp QoQ |
-3.0pp | 16.5% | 16.0% | 20.8% | 28% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4,565
+71 (+1.6%) YoY +3 (+0.1%) QoQ |
+1,307 | 3,258 | 342 | 482 | 83% |
| Assets per Employee ($) |
$18.8M
+3.3% YoY +0.4% QoQ |
-$8.2M | $27.0M | $9.9M | $8.8M | 72% |
| Branch Count |
194
-2 (-1.0%) YoY -1 (-0.5%) QoQ |
+56 | 137 | 19 | 18 | 77% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.4pp | 0.4% | 0.2% | 0.4% | 0% |
| Nonaccrual |
0.8%
-0.3pp YoY -0.2pp QoQ |
0.0pp | 0.7% | 0.7% | 1.0% | 62% |
| Allowance Coverage |
1.64x
+29.4% YoY +19.6% QoQ |
-1.17x | 2.81x | 4.87x | 20.23x | 46% |
| Net Charge-off Rate (YTD) |
0.3%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.4% | 0.1% | 0.2% | 70% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.8%
+0.4pp YoY 0.0pp QoQ |
-1.8pp | 12.6% | 8.2% | 11.6% | 50% |
| Cost of Funds (YTD) |
1.9%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 2.0% | 1.7% | 1.7% | 53% |
| Net Income ($, YTD) |
$527.1M
+5.5% YoY — QoQ |
+$230.3M | $296.8M | $28.0M | $40.4M | 87% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.