Windsor, CT · Cert 35394
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Hartford-West Hartford-East Hartford, CT · 2026 SOD (annual) · 0.1% share · #25 of 27 inst. · $0.1B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 6.53% | 7.50% | 6.57% | 5.97% | 6.00% | -52 bps | |
| Return on Equity | 20.43% | 24.00% | 21.44% | 20.84% | 20.59% | +17 bps | |
| Net Interest Margin | 1.57% | 1.68% | 1.74% | 1.31% | 1.35% | -21 bps | |
| Efficiency Ratio | 86.72% | 85.32% | 86.56% | 87.59% | 87.50% | +78 bps | |
| Non-Interest Burden | -7.22% | -8.64% | -7.66% | -7.12% | -6.96% | +26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.36% | -2.34% | 4.11% | 2.96% | 0.05% | -331 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 36.25% | 30.59% | 30.97% | 31.52% | 32.24% | -401 bps | |
| Total Risk-Based Capital | 59.35% | 49.42% | 50.57% | 57.18% | 58.94% | -42 bps | |
| Equity / Assets | 32.65% | 29.11% | 28.16% | 29.12% | 30.14% | -251 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 1.01% | 3.55% | 4.00% | 8.65% | 7.47% | +646 bps | |
| CRE / Total Capital | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |