Northwest Community Bank
BankRegReports is independent of Northwest Community Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Northwest Community Bank is an FDIC-insured savings bank headquartered in Winsted, CT, established in 1875 (FDIC certificate 18229), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.26B, up 7.9% from Q2 2025, the 13th largest of 27 banks headquartered in Connecticut. Its CET1 capital ratio was 11.99% at Q2 2026, above regulatory requirements.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18229
- Headquarters
- Winsted, CT
- Established
- 1875
- Total assets, Q2 2026
- $1.26B
- Assets vs Q2 2025
- +7.9%
- CET1 ratio, Q2 2026
- 11.99%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 211174204
- Holding company
- CONNECTICUT MUTUAL HOLDING COMPANY
- Asset rank in state
- 13th of 27 in Connecticut
Northwest Community Bank spends more to run itself than most banks of its size. The Winsted, Connecticut bank had $1.3 billion in assets at June 30, 2026, up 7.9% from a year earlier. It earns about $0.57 a year on every $100 of assets, about half the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 78 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $29 million equal 27% of Tier 1 capital, down from 32% a year earlier. Loans are outrunning deposits: over the year loans rose 10.2% and deposits rose 4.2%. Where it has less room is capital: it funds 8.72% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
As of June 30, 2026, Northwest Community Bank reported a CET1 capital ratio of 11.99%, a return on assets of 0.57%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 6.46%. The figures come from its call report filed with the FFIEC.
Northwest Community Bank ranks as the 13th largest of the 27 banks based in Connecticut, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.7% to $1.26B, loans rose 2.8% and deposits fell 0.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 59.5% of total loans, followed by non-owner-occupied commercial real estate loans at 17.0%. The FDIC Summary of Deposits lists 14 offices for it, in 11 cities in CT; its Winsted 2 offices book 17% of its branch deposits. Judged on its Q2 2026 call report, Northwest Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 86 Main St, Winsted, CT 06098
- County
- Northwest Hills
- Metro Area
- Torrington, CT
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 15, 1875
- Former names
- Northwest Bank for Savings (1979-1996); Mechanics Savings Bank of Winsted (1970-1979)
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 165
- Domestic deposits
- $1.06B
- Allowance for credit losses
- $9.4M
- Net charge-offs (YTD)
- $21K
- Average total assets
- $1.26B
- Average total loans
- $1.02B
- Average interest-bearing deposits
- $872.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1960
- FDIC Cert
- 18229
- Fed RSSD
- 545604
- Website
- www.nwcommunitybank.com →
- Parent Holding Company
- CONNECTICUT MUTUAL HOLDING COMPANY (RSSD 2937100)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Northwest Community Bank's total assets ranged from $1.07B (Q3 2023) to $1.26B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.26B total assets against $1.16B; $1.17B total liabilities against $1.09B.
$1.02B net loans and leases against $928.8M; $1.06B total deposits against $1.02B.
$151.7M securities against $158.9M; $23.7M cash and balances due against $22.7M.
$14.7M total interest income against $12.9M; $5.3M total interest expense against $5.0M.
$9.4M net interest income against $7.9M.
$1.1M total noninterest income against $1.3M; $8.2M total noninterest expense against $7.4M.
$1K provision for credit losses against $9K.
$1.8M net income against $1.5M.
0.57% return on assets against 0.49%; 3.08% net interest margin against 2.75%.
11.99% CET1 capital ratio against 12.62%; 8.72% tier 1 leverage ratio against 8.71%.
Inside the full Northwest Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Northwest Community Bank rankings
Its closest position to the top of a national ranking is 856 of 4,196, for total assets; its furthest is 3,185 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.24% (Q1 2025) to 0.57% (Q2 2026) and its net interest margin ran from 2.27% (Q3 2024) to 3.08% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.99% | 0.57% | 0.60% | 6.46% | 3.08% |
| Q1 2026 | 12.12% | 0.48% | 0.57% | 6.05% | 2.92% |
| Q4 2025 | 12.25% | 0.57% | 0.50% | 5.35% | 2.95% |
| Q3 2025 | 12.44% | 0.47% | 0.56% | 5.99% | 2.86% |
| Q2 2025 | 12.62% | 0.49% | 0.53% | 5.69% | 2.75% |
| Q1 2025 | 12.58% | 0.24% | 0.60% | 6.63% | 2.56% |
| Q4 2024 | 12.64% | 0.27% | 0.54% | 6.21% | 2.47% |
| Q3 2024 | 12.86% | 0.25% | 0.69% | 7.27% | 2.27% |
Swipe the table sideways to see every column.
Branch Network
View all 14 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Northwest Community Bank (main office) | Winsted , CT | 06098 | $175.2M |
| Litchfield Branch | Litchfield , CT | 06759 | $163.7M |
| Torrington Branch | Torrington , CT | 06790 | $107.3M |
| Canton Branch | Collinsville , CT | 06019 | $104.9M |
| Watertown Branch | Watertown , CT | 06795 | $82.9M |
| Granby Branch | Granby , CT | 06035 | $80.2M |
| New Hartford Branch | New Hartford , CT | 06057 | $67.9M |
| Salisbury Branch | Lakeville , CT | 06039 | $53.9M |
| Farmington Office Branch | Farmington , CT | 06032 | $52.5M |
| Avon Branch | Avon , CT | 06001 | $50.2M |
| Simsbury Branch | Simsbury , CT | 06070 | $48.9M |
| Collinsville Branch | Collinsville , CT | 06019 | $42.9M |
| Torrington Bus. Banking Ctr. Branch | Torrington , CT | 06790 | $27.6M |
| Regional #7 Branch | Winsted , CT | 06098 | $172K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 5, 2021 | Structure Change | Acquired Litchfield Bancorp Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 4, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1996 | Structure Change | Acquired Winsted Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in CT, rank 24 of 46 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 230 applications, 196 loans originated, $99.3M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $75K approved, $75K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Northwest Community Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Northwest Community Bank with peers
Frequently asked about Northwest Community Bank
What are Northwest Community Bank's total assets?
As of the Q2 2026 filing, Northwest Community Bank reported total assets of $1.26 billion in its FFIEC call report.
Where is Northwest Community Bank headquartered?
It is headquartered in Winsted, CT, United States.
When was Northwest Community Bank founded?
It was established in 1875, per the FDIC institution directory.
Is Northwest Community Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #18229). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Northwest Community Bank?
Northwest Community Bank's primary federal regulator is the FDIC.
What is Northwest Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.99% in its Q2 2026 call report, above regulatory requirements.
How many branches does Northwest Community Bank operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Northwest Community Bank's Texas Ratio?
Its Texas Ratio is 6.46% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Northwest Community Bank previously called?
The charter now named Northwest Community Bank has also operated as Northwest Bank for Savings (1979-1996), Mechanics Savings Bank of Winsted (1970-1979), per FDIC structure-change records.
Go deeper on Northwest Community Bank.
Get an email when Northwest Community Bank files its next call report, and benchmark it against any peer you choose.
Unlock Northwest Community Bank, freeFree account