Bank Comparison
Webster Bank, N.A. vs Bankwell Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 9
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Webster Bank, N.A. | Bankwell Bank |
|---|---|---|
| CET1 Ratio | 12.07% | 11.97% |
| Tier 1 Capital Ratio | 12.07% | 11.97% |
| Total Capital Ratio | 13.32% | 13.00% |
| Tier 1 Leverage Ratio | 8.49% | 10.32% |
| Equity / Assets | 11.31% | 10.43% |
Profitability
| Metric | Webster Bank, N.A. | Bankwell Bank |
|---|---|---|
| Return on Assets (ROA) | 1.23% | 1.54% |
| Return on Equity (ROE) | 10.78% | 14.82% |
| Net Interest Margin (NIM) | 3.30% | 3.41% |
| Yield on Earning Assets | 5.09% | 6.21% |
| Cost of Funds | 1.93% | 3.06% |
Asset quality
| Metric | Webster Bank, N.A. | Bankwell Bank |
|---|---|---|
| Texas Ratio | 13.73% | 5.72% |
| Non-Performing Loan Ratio | 1.73% | 0.75% |
| Non-Performing Asset Ratio | 1.16% | 0.64% |
| Net Charge-Off Ratio | 0.29% | 0.02% |
| ACL / Loans | 1.28% | 1.03% |
Balance sheet
| Metric | Webster Bank, N.A. | Bankwell Bank |
|---|---|---|
| Total Assets | $85,527M | $3,364M |
| Total Deposits | $69,386M | $2,912M |
| Total Loans | $57,263M | $2,862M |
| Total Equity | $9,669M | $351,041K |
| Net Income (quarter) | $261,896K | $12,953K |
Liquidity & funding
| Metric | Webster Bank, N.A. | Bankwell Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 82.53% | 98.28% |
| Core Deposit Ratio | 97.90% | 92.11% |
| Uninsured Deposit Ratio | 36.10% | 36.41% |
Identity
| Metric | Webster Bank, N.A. | Bankwell Bank |
|---|---|---|
| Headquarters City | STAMFORD | NEW CANAAN |
| Headquarters State | CT | CT |
| Asset Tier | Regional | Large |
| Charter Class | 24469 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 195 | 11 |
| Employees (FTE) | 4,562 | 176 |
| Established | Jan. 1, 1870, midnight | April 22, 2002, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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