BlastPoint's Banking Scorecard

Windsor Federal Bank

$100M-$1B Specialty: Commercial CT FDIC cert 29632

Windsor, CT

11 branches across CT

2664 banks in the $100M-$1B peer group nationally 12 in CT

Windsor Federal Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.19% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 33.0% in tier
- ROA 0.56% below tier average
- Net Interest Margin 0.26% below tier average
- Efficiency Ratio 9.67% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Total Assets ?	$882.1M +4.0% YoY +0.8% QoQ	+$496.1M	$386.1M +0.5% YoY	$4.6B +6.9% YoY	$6.2B +9.1% YoY	Top 4.7% in tier
Total Loans ?	$689.1M +10.1% YoY +0.6% QoQ	+$433.4M	$255.7M +1.1% YoY	$3.2B +8.3% YoY	$3.2B +10.8% YoY	Top 2.6% in tier
Total Deposits ?	$725.9M +0.8% YoY +2.6% QoQ	+$397.9M	$328.0M +0.1% YoY	$3.7B +5.9% YoY	$4.8B +8.2% YoY	Top 5.4% in tier
Return on Assets ?	0.71% +69.2% YoY +30.7% QoQ	-0.56%	1.27% +12.9% YoY	0.98% +59.4% YoY	1.23% +13.4% YoY	21%
Net Interest Margin ?	3.67% +15.9% YoY +7.4% QoQ	-0.26%	3.93% +6.0% YoY	3.30% +11.1% YoY	3.89% +5.7% YoY	39%
Efficiency Ratio ?	74.96% -8.8% YoY -2.8% QoQ	+9.67%	65.29% -4.5% YoY	74.04% -0.3% YoY	66.95% -4.1% YoY	22%
Delinquency Rate ?	0.70% -21.8% YoY -1.6% QoQ	-0.19%	0.89% +18.8% YoY	0.76% +15.1% YoY	0.95% +18.8% YoY	36%
Loan-to-Deposit Ratio ?	94.93% +9.2% YoY -2.0% QoQ	+18.29%	76.64% +0.8% YoY	87.65% +0.6% YoY	76.70% +0.9% YoY	15%
Non-Interest-Bearing Deposit Share ?	33.73% +2.8% YoY +1.4% QoQ	+11.71%	22.02% -1.0% YoY	20.48% -2.9% YoY	22.01% -1.2% YoY	Top 11.4% in tier
Nonperforming Asset Ratio ?	0.54% -17.2% YoY -1.8% QoQ	-0.09%	0.64% +19.7% YoY	0.54% +14.2% YoY	0.67% +19.3% YoY	35%
Tier 1 Capital Ratio ?	10.06% +1.2% YoY +0.1% QoQ	-5.77%	15.83% +1.5% YoY	15.66% +1.9% YoY	17.06% +0.8% YoY	Bottom 10.4% in tier
Non-Interest Income / Assets ?	0.10% -7.8% YoY -76.2% QoQ	-0.18%	0.28% +9.3% YoY	0.74% +3.6% YoY	0.32% +4.1% YoY	49%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk

#221 of 666 • Bottom 33.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.06%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Total Loans

size

Value: $689.07M

Peer Median: $255.72M

#71 of 2664 Top 2.6% in $100M-$1B

125

Total Assets

size

Value: $882.13M

Peer Median: $386.08M

#125 of 2664 Top 4.7% in $100M-$1B

144

Total Deposits

size

Value: $725.85M

Peer Median: $327.97M

#144 of 2664 Top 5.4% in $100M-$1B

306

Non-Interest-Bearing Deposit Share

funding

Value: 33.73%

Peer Median: 22.02%

#306 of 2664 Top 11.4% in $100M-$1B

Top Weaknesses (4 metrics)

2389

Tier 1 Capital Ratio

capital

Value: 10.06%

Peer Median: 15.83%

#2389 of 2664 Bottom 10.4% in $100M-$1B

2253

Loan-to-Deposit Ratio

liquidity

Value: 94.93%

Peer Median: 76.64%

#2253 of 2664 Bottom 15.5% in $100M-$1B

2101

Return on Assets

profitability

Value: 0.71%

Peer Median: 1.27%

#2101 of 2664 Bottom 21.2% in $100M-$1B

2070

Efficiency Ratio

profitability

Value: 74.96%

Peer Median: 65.29%

#2070 of 2664 Bottom 22.3% in $100M-$1B