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Webster Bank, National Association

Stamford, CT · Cert 18221 · Webster Financial Corp.

National charter · OCC · 194 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

35

Q2 2024Q2 2026peer median (50)

Asset Quality

43

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

74

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Webster Bank, National Association

Stamford, CT · Cert 18221 · Webster Financial Corp.

National charter · OCC · 194 branches

Q2 2026

$85.9BAssets
$57.9BLoans
$70.7BDeposits
$9.8BEquity
Loan mix
76%RE $33.6B23%C&I $10.0B1%Consumer $0.4BQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $60.6B14%Noninterest $10.1BQ2 2025Q2 2026

NIM

5.04%Q2 ’244.88%Q2 ’254.63%Q2 ’26+2%-5%

Non-interest income vs. expense

1.70%Q2 ’241.67%Q2 ’251.70%Q2 ’26+3%+0%

Market Position · Bridgeport-Stamford-Danbury, CT · 2026 SOD (annual) · 40.7% share · #1 of 25 inst. · $31.7B of $77.9B

48.2% Western Connecticut
18.2% Nassau
10.0% Capitol
24.9% Naugatuck Valley

Executive Summary

  • Earnings: ROA of 1.24%, down 1 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.76% of loans (-29 bps YoY), with net charge-offs at 0.29%.
  • Capital: tier 1 leverage ratio of 8.51%, down 56 bps from a year ago.
  • Funding: loans stand at 81.90% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.05%-15 bps YoY

Efficiency Ratio (YTD, annualized)

48.71%+264 bps YoY

Tier 1 Leverage Ratio

8.51%-56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.27%1.26%1.24%1.24%-1 bps
Return on Equity10.43%10.63%10.62%10.78%10.82%+39 bps
Net Interest Margin3.21%3.18%3.14%3.11%3.05%-15 bps
Efficiency Ratio46.08%46.12%46.99%48.01%48.71%+264 bps
Non-Interest Burden1.23%1.22%1.23%1.24%1.24%0 bps
Growth
Asset Growth (YoY)6.62%4.69%6.37%6.63%4.95%-167 bps
Loan Growth (YoY)4.11%5.88%7.77%7.80%7.29%+318 bps
Deposit Growth (YoY)6.41%5.95%5.66%5.38%6.10%-30 bps
Asset Quality
Nonperforming Loans / Loans1.06%1.04%0.91%0.93%0.76%-29 bps
Net Charge-Offs / Loans0.34%0.31%0.32%0.29%0.29%-5 bps
Allowance / Loans1.34%1.32%1.27%1.28%1.25%-9 bps
Allowance Coverage of NPLs1.3x1.3x1.4x1.4x1.6x+0.4x
Capital
Tier 1 Leverage Ratio9.08%9.02%8.69%8.49%8.51%-56 bps
Total Risk-Based Capital13.80%13.85%13.43%13.32%13.47%-33 bps
Equity / Assets11.88%11.86%11.64%11.31%11.39%-49 bps
Liquidity & Funding
Loans / Deposits81.00%80.25%82.17%82.53%81.90%+90 bps
Liquid Assets / Assets13.48%13.17%12.16%12.31%11.89%-159 bps
CRE / Total Capitaln/a305%318%322%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Webster Bank, National Association

Stamford, CT · Cert 18221 · Peer group: banks over $10B in assets (n=142-144) · Webster Financial Corp.

National charter · OCC · 194 branches

Q2 2026

$85.9BAssets
$57.9BLoans
$70.7BDeposits
$9.8BEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 74% of banks over $10B in assets (rank 38 of 144).
  • Widest gap: total risk-based capital ratio trails 74% of banks over $10B in assets (rank 106 of 144).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.23%

Rank 75 of 144

Net Interest Margin

3.05%

Rank 94 of 144

Efficiency Ratio

49.94%

Rank 38 of 144

Equity / Assets

11.39%

Rank 72 of 144

Non-interest income vs. expense

$0.4B$1.5BINCOMEEXPENSE
Unfavorable gap of $1.1B · efficiency ratio beats 74% of banks over $10B in assets
Bank 49.94%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.23%1.00%1.26%1.54%Beats 48%75 / 144
Return on Equity10.77%8.98%11.34%14.40%Beats 44%80 / 144
Net Interest Margin3.05%2.82%3.31%3.68%Beats 35%94 / 144
Efficiency Ratio49.94%49.42%56.02%62.41%Beats 74%38 / 144
Asset Quality
Nonperforming Loans / Loans0.76%0.48%0.73%1.07%Beats 49%74 / 142
Net Charge-Offs / Loans0.15%0.05%0.11%0.22%Beats 37%90 / 142
Capital
Tier 1 Capital Ratio12.23%12.07%12.98%14.92%Beats 30%101 / 144
Total Risk-Based Capital Ratio13.47%13.39%14.14%16.25%Beats 26%106 / 144
Equity / Assets11.39%9.69%11.39%12.96%Beats 50%72 / 144
Liquidity & Funding
Loans / Deposits81.90%75.72%84.92%91.56%38th pctl89 / 143
Loans / Assets67.39%59.83%69.07%74.80%39th pctl88 / 144
Brokered Deposits / Depositsn/aNot reported for this institution