Bank Safety Analysis
Webster Bank, N.A.: final safety record
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Compared with Q1 2026, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell 0.17 percentage points in Q2 2026 to 0.76%, the biggest move on this page. Webster Bank, N.A. reported 12.23% on CET1 ratio for Q2 2026, 0.73 points below the 12.96% median for banks in the $10B-100B asset tier. From Q3 2023 to Q2 2026, Webster Bank, N.A.'s CET1 ratio ranged between 11.74% (Q1 2024) and 12.60% (Q3 2025) and its Texas ratio ranged between 2.85% (Q4 2023) and 8.59% (Q1 2025). Between Q2 2025 and Q2 2026, Webster Bank, N.A.'s CET1 ratio fell from 12.55% to 12.23%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 1.06% to 0.76%, Texas ratio fell from 7.67% to 5.84% and return on assets fell from 1.31% to 1.22%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $10B to $100B (136 banks) · Industry averages as of Q2 2026.
CET1 of 12.23% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 8.51% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.76% are within industry-normal range.
Texas Ratio of 5.8% is well below the 100% historical failure threshold.
Efficiency ratio of 48.6% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 12.23% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 5.84% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.76% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 34.58% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 81.90% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 273.25% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 9.05% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 12.23% |
| Q1 2026 | 12.07% |
| Q4 2025 | 12.19% |
| Q3 2025 | 12.60% |
| Q2 2025 | 12.55% |
| Q1 2025 | 12.56% |
| Q4 2024 | 12.53% |
| Q3 2024 | 12.46% |
| Q2 2024 | 11.79% |
| Q1 2024 | 11.74% |
| Q4 2023 | 12.43% |
| Q3 2023 | 12.51% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 5.84% |
| Q1 2026 | 7.24% |
| Q4 2025 | 6.85% |
| Q3 2025 | 7.61% |
| Q2 2025 | 7.67% |
| Q1 2025 | 8.59% |
| Q4 2024 | 6.90% |
| Q3 2024 | 5.84% |
| Q2 2024 | 5.39% |
| Q1 2024 | 4.59% |
| Q4 2023 | 2.85% |
| Q3 2023 | 3.16% |
Webster Bank, N.A. by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 12.23% | 0.76% | 5.84% | 1.22% |
| Mar 31, 2026 | 12.07% | 0.93% | 7.24% | 1.23% |
| Dec 31, 2025 | 12.19% | 0.91% | 6.85% | 1.23% |
| Sep 30, 2025 | 12.60% | 1.04% | 7.61% | 1.31% |
| Jun 30, 2025 | 12.55% | 1.06% | 7.67% | 1.31% |
| Mar 31, 2025 | 12.56% | 1.18% | 8.59% | 1.17% |
| Dec 31, 2024 | 12.53% | 0.93% | 6.90% | 0.94% |
| Sep 30, 2024 | 12.46% | 0.81% | 5.84% | 1.04% |
| Jun 30, 2024 | 11.79% | 0.71% | 5.39% | 0.98% |
| Mar 31, 2024 | 11.75% | 0.61% | 4.59% | 1.17% |
| Dec 31, 2023 | 12.43% | 0.41% | 2.85% | 1.05% |
| Sep 30, 2023 | 12.51% | 0.43% | 3.16% | 1.26% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 18221) · FFIEC NIC profile (RSSD 761806)
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