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Northwest Community Bank

Winsted, CT · Cert 18229 · Connecticut Mutual Holding Co.

SI · FDIC · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

25

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

35

Q2 2024Q2 2026peer median

Efficiency

9

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

Northwest Community Bank

Winsted, CT · Cert 18229 · Connecticut Mutual Holding Co.

SI · FDIC · 14 branches

Q2 2026

$1.3BAssets
$1.0BLoans
$1.1BDeposits
$86.8MEquity
Loan mix
95%RE $951.6M4%C&I $44.7M1%Consumer $8.5MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $859.4M19%Noninterest $198.8MQ2 2025Q2 2026

NIM

3.97%Q2 ’244.29%Q2 ’254.57%Q2 ’26+17%+12%

Non-interest income vs. expense

2.37%Q2 ’242.50%Q2 ’252.58%Q2 ’26+4%+4%

Market Position · Hartford-West Hartford-East Hartford, CT · 2026 SOD (annual) · 0.6% share · #15 of 27 inst. · $0.4B of $58.8B

16.7% Northwest Hills
0.7% Capitol
0.7% Naugatuck Valley

Executive Summary

  • Earnings: ROA of 0.53%, up 16 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.60% of loans (+7 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.72%, up 1 bps from a year ago.
  • Funding: loans stand at 97.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.53%+16 bps YoY

Net Interest Margin (YTD, annualized)

2.89%+31 bps YoY

Efficiency Ratio (YTD, annualized)

79.54%-545 bps YoY

Tier 1 Leverage Ratio

8.72%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.41%0.45%0.49%0.53%+16 bps
Return on Equity5.85%6.26%6.82%7.05%7.72%+187 bps
Net Interest Margin2.58%2.64%2.66%2.83%2.89%+31 bps
Efficiency Ratio84.99%83.93%82.60%80.98%79.54%-545 bps
Non-Interest Burden2.14%2.16%2.14%2.22%2.23%+9 bps
Growth
Asset Growth (YoY)3.73%2.45%4.28%4.99%7.92%+419 bps
Loan Growth (YoY)5.54%7.55%6.94%7.79%10.22%+468 bps
Deposit Growth (YoY)3.07%2.58%-1.47%2.70%4.15%+108 bps
Asset Quality
Nonperforming Loans / Loans0.53%0.56%0.50%0.57%0.60%+7 bps
Net Charge-Offs / Loans-0.03%-0.01%-0.01%0.01%0.00%+3 bps
Allowance / Loans1.01%0.99%0.92%0.93%0.91%-11 bps
Allowance Coverage of NPLs1.9x1.8x1.8x1.6x1.5x-0.4x
Capital
Tier 1 Leverage Ratio8.71%8.78%8.78%8.70%8.72%+1 bps
Total Risk-Based Capital13.86%13.64%13.42%13.27%13.11%-75 bps
Equity / Assets6.64%6.85%6.93%6.88%6.92%+28 bps
Liquidity & Funding
Loans / Deposits92.35%93.07%98.26%94.47%97.73%+538 bps
Liquid Assets / Assets0.58%0.52%0.42%1.83%1.09%+51 bps
CRE / Total Capitaln/a275%304%317%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

Northwest Community Bank

Winsted, CT · Cert 18229 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Connecticut Mutual Holding Co.

SI · FDIC · 14 branches

Q2 2026

$1.3BAssets
$1.0BLoans
$1.1BDeposits
$86.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 84% of banks $1B-$10B in assets operating in a single state (rank 42 of 258).
  • Widest gap: equity / assets trails 97% of banks $1B-$10B in assets operating in a single state (rank 250 of 258).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.52%

Rank 238 of 258

Net Interest Margin

2.89%

Rank 218 of 258

Efficiency Ratio

79.54%

Rank 234 of 257

Equity / Assets

6.92%

Rank 250 of 258

Non-interest income vs. expense

$4.4M$32.5MINCOMEEXPENSE
Unfavorable gap of $28.1M · efficiency ratio beats 9% of banks $1B-$10B in assets operating in a single state
Bank 79.54%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.52%0.93%1.23%1.54%Beats 8%238 / 258
Return on Equity7.57%9.26%11.84%14.74%Beats 16%218 / 258
Net Interest Margin2.89%3.16%3.49%3.88%Beats 16%218 / 258
Efficiency Ratio79.54%51.71%60.30%69.65%Beats 9%234 / 257
Asset Quality
Nonperforming Loans / Loans0.60%0.19%0.46%0.90%Beats 34%172 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 84%42 / 258
Capital
Tier 1 Capital Ratio11.99%11.41%12.98%15.12%Beats 33%172 / 258
Total Risk-Based Capital Ratio13.11%12.10%13.91%16.08%Beats 39%157 / 258
Equity / Assets6.92%9.09%10.24%11.72%Beats 3%250 / 258
Liquidity & Funding
Loans / Deposits97.73%73.24%86.34%95.95%81st pctl49 / 258
Loans / Assets82.38%63.01%72.27%78.40%88th pctl30 / 258
Brokered Deposits / Depositsn/aNot reported for this institution