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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