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Windsor Federal Bank

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

Windsor, CT

11 branches across CT

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 11 in CT.
  • Deposits +2.6% year over year ($730.2M on the books).
  • Delinquency rate 1.00%.
  • Return on assets 0.20%.
  • Efficiency ratio 74.32% vs a 64.48% peer average.
  • Loan-to-deposit ratio 96.98% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 11 in CT
View $100M-$1B leaderboard (CT) →

Windsor Federal Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 47.0% in tier
  • - Capital Thin: Bottom 47.7% in tier
  • - Return on Assets 1.12% below tier average
  • - Net Interest Margin 0.32% below tier average
  • - Efficiency Ratio 9.84% above tier average
Get updates when Windsor Federal Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Total Assets ? $895.4M
+6.5% YoY +1.5% QoQ
+$508.9M $386.6M
+1.2% YoY
$4.8B
+5.5% YoY
$6.3B
+7.7% YoY
Top 4.0% in tier
Total Loans ? $708.1M
+10.6% YoY +2.8% QoQ
+$449.8M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
Top 2.2% in tier
Total Deposits ? $730.2M
+2.6% YoY +0.6% QoQ
+$403.5M $326.7M
+0.7% YoY
$3.9B
+6.2% YoY
$4.9B
+7.3% YoY
Top 4.9% in tier
Return on Assets ? 0.20%
-60.3% YoY -71.6% QoQ
-1.12% 1.32%
+10.8% YoY
1.11%
+57.7% YoY
1.30%
+12.1% YoY
Bottom 5.6% in tier
Net Interest Margin ? 3.67%
+11.3% YoY -0.3% QoQ
-0.32% 3.99%
+5.0% YoY
3.44%
+11.6% YoY
3.95%
+4.9% YoY
35%
Efficiency Ratio ? 74.32%
-7.8% YoY -0.9% QoQ
+9.84% 64.48%
-3.2% YoY
72.27%
-70.9% YoY
70.05%
+2.5% YoY
21%
Delinquency Rate ? 1.00%
+21.1% YoY +43.6% QoQ
+0.08% 0.92%
+15.7% YoY
0.70%
-4.9% YoY
0.98%
+16.3% YoY
28%
Loan-to-Deposit Ratio ? 96.98%
+7.7% YoY +2.2% QoQ
+19.03% 77.95%
+1.0% YoY
91.71%
+1.4% YoY
79.03%
+2.3% YoY
Bottom 13.7% in tier
Non-Interest-Bearing Deposit Share ? 32.87%
+2.2% YoY -2.6% QoQ
+10.84% 22.03%
-0.6% YoY
22.06%
+1.6% YoY
21.98%
-0.6% YoY
Top 12.8% in tier
Nonperforming Asset Ratio ? 0.79%
+25.7% YoY +45.4% QoQ
+0.12% 0.67%
+16.4% YoY
0.53%
-3.6% YoY
0.69%
+15.8% YoY
27%
Tier 1 Capital Ratio ? 9.91%
-0.5% YoY -1.5% QoQ
-6.00% 15.91%
+1.4% YoY
14.05%
-0.0% YoY
17.09%
+0.8% YoY
Bottom 9.3% in tier
Non-Interest Income / Assets ? 0.19%
-5.0% YoY +100.3% QoQ
-0.38% 0.57%
+7.6% YoY
0.35%
+5.1% YoY
0.66%
+5.2% YoY
47%

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 32.9%
+0.7pp YoY
-0.9pp QoQ
 +10.7pp 22.1% 22.1% 22.2% 87%
Brokered Deposits 0.7%
0.0pp QoQ
 -7.2pp 7.9% 8.1% 8.5% 14%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
C&I 11.9%
-0.5pp YoY
-0.1pp QoQ
 +0.3pp 11.6% 11.4% 12.5% 63%
CRE 40.9%
+1.3pp YoY
+0.1pp QoQ
 +1.3pp 39.5% 42.4% 41.4% 55%
1-4 Family 33.7%
+1.0pp YoY
+0.6pp QoQ
 +1.0pp 32.6% 42.2% 31.3% 59%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 4.1% 5.0% 1%

Capital

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.0% 19.7% n/a
Leverage Ratio 9.9%
-0.1pp YoY
-0.2pp QoQ
 -2.3pp 12.2% 12.7% 12.6% 29%
Total Capital Ratio n/a n/a 19.9% 16.0% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Full-Time Employees 113
+1 (+0.9%) YoY
+6 (+5.6%) QoQ
 +54 58 342 482 91%
Assets per Employee ($) $7.9M
+5.6% YoY
-3.9% QoQ
 +$406K $7.5M $9.9M $8.8M 67%
Branch Count 11
0 YoY
0 QoQ
 +6 4 19 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 1.0%
+0.2pp YoY
+0.3pp QoQ
 +0.1pp 0.9% 0.7% 1.0% 71%
Allowance Coverage 0.89x
-12.9% YoY
-28.8% QoQ
 -23.27x 24.15x 4.87x 20.23x 23%
Net Charge-off Rate (YTD) 0.8%
+0.8pp YoY
+0.8pp QoQ
 +0.6pp 0.1% 0.1% 0.2% 96%

Profitability

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
ROE 2.2%
-3.6pp YoY
-5.6pp QoQ
 -10.0pp 12.2% 8.2% 11.6% 7%
Cost of Funds (YTD) 1.3%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.7% 1.7% 23%
Net Income ($, YTD) $888,000
-58.1% YoY
— QoQ
 -$1.7M $2.6M $28.0M $40.4M 23%

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 (2)

Credit Quality Pressure

risk
#592 of 1256 • Bottom 47.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 1.00%
(Tier: 0.92%, National: 0.98%)
worse than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Capital Thin

risk
#316 of 661 • Bottom 47.7% 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: 9.91%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

58
Total Loans
size
Value: $708.13M
Peer Median: $258.35M
#58 of 2643 Top 2.2% in $100M-$1B
106
Total Assets
size
Value: $895.44M
Peer Median: $386.57M
#106 of 2643 Top 4.0% in $100M-$1B
130
Total Deposits
size
Value: $730.20M
Peer Median: $326.73M
#130 of 2643 Top 4.9% in $100M-$1B
339
Non-Interest-Bearing Deposit Share
funding
Value: 32.87%
Peer Median: 22.03%
#339 of 2643 Top 12.8% in $100M-$1B

Top Weaknesses (4 metrics)

2495
Return on Assets
profitability
Value: 0.20%
Peer Median: 1.32%
#2495 of 2643 Bottom 5.6% in $100M-$1B
2399
Tier 1 Capital Ratio
capital
Value: 9.91%
Peer Median: 15.91%
#2399 of 2643 Bottom 9.3% in $100M-$1B
2281
Loan-to-Deposit Ratio
liquidity
Value: 96.98%
Peer Median: 77.95%
#2281 of 2643 Bottom 13.7% in $100M-$1B
2077
Efficiency Ratio
profitability
Value: 74.32%
Peer Median: 64.48%
#2077 of 2643 Bottom 21.5% in $100M-$1B
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