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 | |