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
Unfavorable gap of $21.6M · efficiency ratio beats 27% of banks under $1B in assets operating in a single state | 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 |