Windsor, CT · Cert 29632 · Windsor Federal MHC
SL · OCC · 11 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
13
Asset Quality
15
Profitability
17
Liquidity
11
Efficiency
27
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.
Windsor, CT · Cert 29632 · Windsor Federal MHC
SL · OCC · 11 branches
Q2 2026
Market Position · Hartford-West Hartford-East Hartford, CT · 2026 SOD (annual) · 1.2% share · #10 of 27 inst. · $0.7B of $58.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.48% | 0.42% | 0.51% | 0.48% | 0.54% | 0.71% | 0.20% | -30 bps | |
| Return on Equity | 5.84% | 5.63% | 4.91% | 5.87% | 5.53% | 6.15% | 7.78% | 2.23% | -365 bps | |
| Net Interest Margin | 2.89% | 2.85% | 2.90% | 2.99% | 3.06% | 3.09% | 3.39% | 3.38% | +40 bps | |
| Efficiency Ratio | 79.83% | 80.22% | 82.16% | 80.63% | 79.10% | 77.10% | 74.96% | 74.32% | -632 bps | |
| Non-Interest Burden | 2.23% | 2.22% | 2.31% | 2.33% | 2.34% | 2.29% | 2.45% | 2.42% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.33% | 6.01% | 8.63% | 5.56% | 6.22% | 6.12% | 3.96% | 6.53% | +96 bps | |
| Loan Growth (YoY) | 7.81% | 8.71% | 10.47% | 11.07% | 11.07% | 11.81% | 10.09% | 10.61% | -47 bps | |
| Deposit Growth (YoY) | 1.64% | 4.35% | 8.69% | 6.24% | 6.24% | 2.16% | 0.81% | 2.64% | -360 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.00% | 0.91% | 0.88% | 0.82% | 0.69% | 0.70% | 0.69% | 0.99% | +17 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.00% | 0.13% | 0.09% | 0.00% | 0.77% | +77 bps | |
| Allowance / Loans | 0.83% | 0.83% | 0.84% | 0.83% | 0.83% | 0.85% | 0.86% | 0.88% | +5 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.9x | 1.0x | 1.0x | 1.2x | 1.2x | 1.2x | 0.9x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.06% | 9.97% | 9.94% | 9.96% | 10.04% | 10.05% | 10.06% | 9.91% | -5 bps | |
| Total Risk-Based Capital | 10.06% | 9.97% | 9.94% | 9.96% | 10.04% | 10.05% | 10.06% | 9.91% | -5 bps | |
| Equity / Assets | 9.02% | 8.45% | 8.56% | 8.80% | 9.05% | 9.07% | 9.10% | 8.90% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.54% | 89.27% | 87.68% | 90.79% | 93.61% | 97.71% | 95.75% | 97.84% | +705 bps | |
| Liquid Assets / Assets | 1.17% | 1.21% | 2.45% | 0.50% | 0.42% | 0.52% | 1.73% | 0.91% | +41 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 296% | 314% | 315% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.20% | 0.72% | 1.06% | 1.45% | Beats 7% | 693 / 746 | ||
| Return on Equity | 2.23% | 6.74% | 10.51% | 13.63% | Beats 9% | 677 / 746 | ||
| Net Interest Margin | 3.38% | 3.17% | 3.68% | 4.16% | Beats 34% | 493 / 746 | ||
| Efficiency Ratio | 74.32% | 55.74% | 64.58% | 75.47% | Beats 27% | 548 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.99% | 0.09% | 0.42% | 1.07% | Beats 27% | 540 / 743 | ||
| Net Charge-Offs / Loans | 0.39% | 0.00% | 0.01% | 0.05% | Beats 3% | 718 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.91% | 11.55% | 13.75% | 17.60% | Beats 7% | 695 / 746 | ||
| Total Risk-Based Capital Ratio | 9.91% | 11.71% | 14.33% | 18.43% | Beats 7% | 697 / 746 | ||
| Equity / Assets | 8.90% | 8.90% | 10.51% | 13.06% | Beats 25% | 560 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.84% | 61.31% | 78.27% | 90.78% | 88th pctl | 90 / 746 | ||
| Loans / Assets | 79.78% | 53.60% | 66.97% | 76.08% | 85th pctl | 113 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||