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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 $8.5MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $859.4M19%Noninterest $198.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.15%0.18%0.25%0.37%0.41%0.45%0.49%0.53%+16 bps
Return on Equity2.43%2.94%3.93%5.85%6.26%6.82%7.05%7.72%+187 bps
Net Interest Margin2.20%2.23%2.48%2.58%2.64%2.66%2.83%2.89%+31 bps
Efficiency Ratio92.68%91.31%90.08%84.99%83.93%82.60%80.98%79.54%-545 bps
Non-Interest Burden2.01%2.01%2.21%2.14%2.16%2.14%2.22%2.23%+9 bps
Growth
Asset Growth (YoY)7.13%5.27%3.46%3.73%2.45%4.28%4.99%7.92%+419 bps
Loan Growth (YoY)5.65%7.14%6.94%5.54%7.55%6.94%7.79%10.22%+468 bps
Deposit Growth (YoY)4.09%6.41%3.50%3.07%2.58%-1.47%2.70%4.15%+108 bps
Asset Quality
Nonperforming Loans / Loans0.69%0.54%0.60%0.53%0.56%0.50%0.57%0.60%+7 bps
Net Charge-Offs / Loans0.00%0.03%0.00%-0.03%-0.01%-0.01%0.01%0.00%+3 bps
Allowance / Loans1.09%1.01%1.02%1.01%0.99%0.92%0.93%0.91%-11 bps
Allowance Coverage of NPLs1.6x1.9x1.7x1.9x1.8x1.8x1.6x1.5x-0.4x
Capital
Tier 1 Leverage Ratio8.63%8.64%8.55%8.71%8.78%8.78%8.70%8.72%+1 bps
Total Risk-Based Capital14.11%13.89%13.82%13.86%13.64%13.42%13.27%13.11%-75 bps
Equity / Assets6.60%6.13%6.35%6.64%6.85%6.93%6.88%6.92%+28 bps
Liquidity & Funding
Loans / Deposits88.76%90.53%90.01%92.35%93.07%98.26%94.47%97.73%+538 bps
Liquid Assets / Assets2.37%1.61%2.33%0.58%0.52%0.42%1.83%1.09%+51 bps
CRE / Total Capitaln/an/an/an/a275%304%317%n/an/a