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Windsor Federal Bank

Windsor, CT · Cert 29632 · Windsor Federal MHC

SL · OCC · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets operating in a single state (n=743 to 746). 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

13

Q2 2024Q2 2026peer median (50)

Asset Quality

15

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

11

Q2 2024Q2 2026peer median

Efficiency

27

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

Windsor Federal Bank

Windsor, CT · Cert 29632 · Windsor Federal MHC

SL · OCC · 11 branches

Q2 2026

$895.4MAssets
$714.4MLoans
$730.2MDeposits
$79.7MEquity
Loan mix
86%RE $509.6M14%C&I $82.5M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $490.2M33%Noninterest $240.0MQ2 2025Q2 2026

NIM

3.86%Q2 ’244.20%Q2 ’254.57%Q2 ’26+2%+13%

Non-interest income vs. expense

2.63%Q2 ’242.73%Q2 ’252.80%Q2 ’26+3%+4%

Market Position · Hartford-West Hartford-East Hartford, CT · 2026 SOD (annual) · 1.2% share · #10 of 27 inst. · $0.7B of $58.8B

Executive Summary

  • Earnings: ROA of 0.20%, down 30 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.99% of loans (+17 bps YoY), with net charge-offs at 0.77%.
  • Capital: tier 1 leverage ratio of 9.91%, down 5 bps from a year ago.
  • Funding: loans stand at 97.84% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.20%-30 bps YoY

Net Interest Margin (YTD, annualized)

3.38%+40 bps YoY

Efficiency Ratio (YTD, annualized)

74.32%-632 bps YoY

Tier 1 Leverage Ratio

9.91%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.48%0.54%0.71%0.20%-30 bps
Return on Equity5.87%5.53%6.15%7.78%2.23%-365 bps
Net Interest Margin2.99%3.06%3.09%3.39%3.38%+40 bps
Efficiency Ratio80.63%79.10%77.10%74.96%74.32%-632 bps
Non-Interest Burden2.33%2.34%2.29%2.45%2.42%+8 bps
Growth
Asset Growth (YoY)5.56%6.22%6.12%3.96%6.53%+96 bps
Loan Growth (YoY)11.07%11.07%11.81%10.09%10.61%-47 bps
Deposit Growth (YoY)6.24%6.24%2.16%0.81%2.64%-360 bps
Asset Quality
Nonperforming Loans / Loans0.82%0.69%0.70%0.69%0.99%+17 bps
Net Charge-Offs / Loans0.00%0.13%0.09%0.00%0.77%+77 bps
Allowance / Loans0.83%0.83%0.85%0.86%0.88%+5 bps
Allowance Coverage of NPLs1.0x1.2x1.2x1.2x0.9x-0.1x
Capital
Tier 1 Leverage Ratio9.96%10.04%10.05%10.06%9.91%-5 bps
Total Risk-Based Capital9.96%10.04%10.05%10.06%9.91%-5 bps
Equity / Assets8.80%9.05%9.07%9.10%8.90%+9 bps
Liquidity & Funding
Loans / Deposits90.79%93.61%97.71%95.75%97.84%+705 bps
Liquid Assets / Assets0.50%0.42%0.52%1.73%0.91%+41 bps
CRE / Total Capitaln/a296%314%315%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

Windsor Federal Bank

Windsor, CT · Cert 29632 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Windsor Federal MHC

SL · OCC · 11 branches

Q2 2026

$895.4MAssets
$714.4MLoans
$730.2MDeposits
$79.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 34% of banks under $1B in assets operating in a single state (rank 493 of 746).
  • Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets operating in a single state (rank 718 of 743).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.20%

Rank 693 of 746

Net Interest Margin

3.38%

Rank 493 of 746

Efficiency Ratio

74.32%

Rank 548 of 746

Equity / Assets

8.90%

Rank 560 of 746

Non-interest income vs. expense

$3.4M$25.0MINCOMEEXPENSE
Unfavorable gap of $21.6M · efficiency ratio beats 27% of banks under $1B in assets operating in a single state
Bank 74.32%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.20%0.72%1.06%1.45%Beats 7%693 / 746
Return on Equity2.23%6.74%10.51%13.63%Beats 9%677 / 746
Net Interest Margin3.38%3.17%3.68%4.16%Beats 34%493 / 746
Efficiency Ratio74.32%55.74%64.58%75.47%Beats 27%548 / 746
Asset Quality
Nonperforming Loans / Loans0.99%0.09%0.42%1.07%Beats 27%540 / 743
Net Charge-Offs / Loans0.39%0.00%0.01%0.05%Beats 3%718 / 743
Capital
Tier 1 Capital Ratio9.91%11.55%13.75%17.60%Beats 7%695 / 746
Total Risk-Based Capital Ratio9.91%11.71%14.33%18.43%Beats 7%697 / 746
Equity / Assets8.90%8.90%10.51%13.06%Beats 25%560 / 746
Liquidity & Funding
Loans / Deposits97.84%61.31%78.27%90.78%88th pctl90 / 746
Loans / Assets79.78%53.60%66.97%76.08%85th pctl113 / 746
Brokered Deposits / Depositsn/aNot reported for this institution