PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

4.07%Q2 ’244.35%Q2 ’254.67%Q2 ’26+20%+12%

Non-interest income vs. expense

2.45%Q2 ’242.48%Q2 ’252.60%Q2 ’26-4%+10%

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 0.58%, up 8 bps year over year; NIM at 2.99%.
  • 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 (quarter, annualized)

0.58%+8 bps YoY

Net Interest Margin (quarter, annualized)

2.99%+32 bps YoY

Efficiency Ratio (quarter, annualized)

78.17%-223 bps YoY

Tier 1 Leverage Ratio

8.72%+1 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.48%0.58%0.49%0.58%+8 bps
Return on Equity7.67%7.04%8.37%7.05%8.39%+71 bps
Net Interest Margin2.67%2.78%2.87%2.83%2.99%+32 bps
Efficiency Ratio80.40%81.95%79.05%80.98%78.17%-223 bps
Non-Interest Burden2.06%2.22%2.17%2.22%2.27%+20 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-0.05%0.01%-0.01%0.01%0.00%+5 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