Windsor Federal Bank
Also written as WFB
BankRegReports is independent of Windsor Federal Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Windsor Federal Bank is an FDIC-insured savings and loan association headquartered in Windsor, CT, supervised by the OCC, with $895.4M in total assets at Q2 2026, up 6.5% from Q2 2025, the 17th largest of 27 banks headquartered in Connecticut. It was established in 1935 and holds FDIC certificate 29632. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.91% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings and loan association
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29632
- Headquarters
- Windsor, CT
- Established
- 1935
- Total assets, Q2 2026
- $895.4M
- Assets vs Q2 2025
- +6.5%
- Tier 1 leverage ratio, Q2 2026
- 9.91%
- Domestic offices
- 11 · Windsor Federal Bank branches FDIC institution directory, current count
- Routing number
- 211170237
- Safety and soundness
- Is Windsor Federal Bank safe?
- Latest call report
- Q2 2026, FFIEC 041 · Windsor Federal Bank call report
- Holding company
- WINDSOR FEDERAL BANCORP, INC.
- Asset rank in state
- 17th of 27 in Connecticut
Windsor Federal Bank spends more to run itself than most banks of its size. The Windsor, Connecticut bank had $895 million in assets at June 30, 2026, up 6.5% from a year earlier. It loses about $0.30 a year on every $100 of assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median $1.28). It also holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
It lost $665,000 in the quarter. Over the same year, loans grew 10.6% and deposits grew 2.6%. Costs are the weak spot: it spends about 73 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Windsor Federal Bank reported a return on assets of -0.30%, a nonperforming-loan ratio of 0.99% and a Texas ratio of 8.31%. The figures come from its call report filed with the FFIEC.
Windsor Federal Bank ranks as the 17th largest of the 27 banks based in Connecticut, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.5% to $895.4M, loans rose 2.8% and deposits rose 0.6%. 1-4 family residential loans made up 33.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 19.3%. The FDIC Summary of Deposits lists 11 offices for it, in 6 cities in CT; its Windsor 4 offices book 40% of its branch deposits. Judged on its Q2 2026 call report, Windsor Federal Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 270 Broad St, Windsor, CT 06095
- County
- Capitol
- Metro Area
- Hartford-West Hartford-East Hartford, CT
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1935
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 113
- Domestic deposits
- $730.2M
- Allowance for credit losses
- $6.3M
- Net charge-offs (YTD)
- $2.8M
- Average total assets
- $893.7M
- Average total loans
- $702.3M
- Average interest-bearing deposits
- $480.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29632
- Fed RSSD
- 92676
- Website
- www.windsorfederal.com →
- Parent Holding Company
- WINDSOR FEDERAL BANCORP, INC. (RSSD 3792360)
- Ultimate Parent
- WINDSOR FEDERAL, MHC (RSSD 3920118)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Windsor Federal Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Windsor Federal Bank's total assets ranged from $770.0M (Q3 2023) to $895.4M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$895.4M total assets against $840.6M; $815.8M total liabilities against $766.6M.
$708.1M net loans and leases against $640.5M; $730.2M total deposits against $711.4M.
$119.6M securities against $133.3M; $15.6M cash and balances due against $14.9M.
$10.2M total interest income against $9.2M; $2.7M total interest expense against $2.6M.
$7.6M net interest income against $6.6M.
$869K total noninterest income against $813K; $6.2M total noninterest expense against $5.9M.
$3.1M provision for credit losses against $29K.
-$665K net income against $1.2M.
-0.30% return on assets against 0.58%; 3.62% net interest margin against 3.31%.
9.91% tier 1 leverage ratio against 9.96%.
Inside the full Windsor Federal 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.
Windsor Federal Bank rankings
Its closest position to the top of a national ranking is 794 of 3,640, for Texas Ratio; its furthest is 3,539 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.30% (Q2 2026) to 0.71% (Q4 2025) and its net interest margin ran from 3.10% (Q1 2025) to 3.62% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.91% | -0.30% | 0.99% | 8.31% | 3.62% |
| Q1 2026 | 10.06% | 0.70% | 0.69% | 5.61% | 3.61% |
| Q4 2025 | 10.05% | 0.71% | 0.70% | 5.74% | 3.51% |
| Q3 2025 | 10.04% | 0.43% | 0.69% | 5.59% | 3.45% |
| Q2 2025 | 9.96% | 0.58% | 0.82% | 6.72% | 3.31% |
| Q1 2025 | 9.94% | 0.41% | 0.88% | 7.22% | 3.10% |
| Q4 2024 | 9.97% | 0.42% | 0.91% | 7.63% | 3.12% |
| Q3 2024 | 10.06% | 0.46% | 1.00% | 7.75% | 3.12% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 |
|---|---|---|---|
| Windsor Federal Bank (main office) | Windsor , CT | 06095 | $178.9M |
| 21 Hartford Ave Branch | Granby , CT | 06035 | $141.2M |
| South Windsor Branch | South Windsor , CT | 06074 | $134.4M |
| 321 Windsor Ave Branch | Windsor , CT | 06095 | $66.3M |
| Bloomfield Branch | Bloomfield , CT | 06002 | $63.4M |
| Suffield Branch | Suffield , CT | 06078 | $57.6M |
| North Central Square Branch | Windsor , CT | 06095 | $45.1M |
| East Windsor Branch | East Windsor , CT | 06088 | $36.5M |
| Seabury Office Branch | Bloomfield , CT | 06002 | $6.9M |
| Bloomfield High School Branch | Bloomfield , CT | 06002 | $38K |
| Windsor High School Branch | Windsor , CT | 06095 | $11K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in CT, rank 28 of 46 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $135K approved, $135K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Windsor Federal Bank
What are Windsor Federal Bank's total assets?
As of the Q2 2026 filing, Windsor Federal Bank reported total assets of $895.4 million in its FFIEC call report.
Where is Windsor Federal Bank headquartered?
It is headquartered in Windsor, CT, United States.
When was Windsor Federal Bank founded?
It was established in 1935, per the FDIC institution directory.
Is Windsor Federal Bank FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #29632). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Windsor Federal Bank?
Windsor Federal Bank's primary federal regulator is the OCC.
How many branches does Windsor Federal Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Windsor Federal Bank's Texas Ratio?
Its Texas Ratio is 8.31% 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.
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