PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Webster First

Worcester, MA · Charter 24557

NCUA · 16 branches

Q2 2026

$1.5BAssets
$1.3BLoans
$1.1BShares
$300.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.76%, up 34 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.41% of loans (-11 bps YoY).
  • Capital: net worth / assets of 19.66%, up 132 bps from a year ago.
  • Funding: loans stand at 125.49% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.76%+34 bps YoY

Net Interest Margin (quarter, annualized)

3.62%+46 bps YoY

Efficiency Ratio (quarter, annualized)

57.27%-213 bps YoY

Net Worth / Assets

19.66%+132 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.23%1.36%1.42%1.58%1.62%1.72%1.76%+34 bps
Return on Equity6.61%6.70%7.39%7.75%8.25%8.37%8.81%8.96%+121 bps
Net Interest Margin2.87%2.93%3.13%3.15%3.32%3.38%3.61%3.62%+46 bps
Efficiency Ratio63.81%63.19%60.66%59.40%57.69%57.50%57.96%57.27%-213 bps
Growth
Asset Growth (YoY)-1.11%-1.79%-0.86%1.14%1.92%2.96%2.01%1.77%+63 bps
Loan Growth (YoY)1.71%0.80%1.85%5.01%6.52%10.07%10.82%10.27%+526 bps
Share Growth (YoY)-1.40%-1.41%1.23%2.61%3.92%3.68%2.51%-0.22%-283 bps
Asset Quality
Delinquent Loans / Loans0.53%0.54%0.39%0.52%0.51%0.55%0.36%0.41%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.07%18.34%18.34%18.35%19.11%19.31%19.56%19.66%+132 bps
Net Worth / Assets18.07%18.34%18.34%18.35%19.11%19.31%19.56%19.66%+132 bps
Liquidity & Funding
Loans / Shares112.70%114.83%114.58%113.56%115.52%121.91%123.87%125.49%+1,193 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps