Windsor Federal Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 3.41 percentage points in Q2 2026, from 30.50% to 33.91%. It was the largest change from Q1 2026 among the key lines here. Within Connecticut, Windsor Federal Bank is 13th of 27 on loan-to-deposit ratio, 97.84% as of Q2 2026, above the middle of the field. Windsor Federal Bank reported 97.84% on loan-to-deposit ratio for Q2 2026, 17.00 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $714.4M |
| Net loans and leases | $708.1M |
| Loans held for sale | $0 |
| Loans to total assets | 79.78% |
| Loan-to-deposit ratio | 97.84% |
| Net loans to equity capital | 8.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.26% |
| Multifamily (5+ residential) | 2.73% |
| Commercial and industrial | 11.80% |
| Consumer | 0.01% |
| Credit cards | 0.00% |
| Farm | 0.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 225.84% |
| Construction concentration (Tier 1 capital + allowance) | 33.91% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $9.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $554.1M | $656.4M | 31.19% | 11.17% | 0.06% |
| Q4 2023 | $568.5M | $663.5M | 30.69% | 12.50% | 0.05% |
| Q1 2024 | $571.5M | $662.4M | 31.48% | 12.49% | 0.03% |
| Q2 2024 | $581.5M | $669.6M | 32.09% | 12.20% | 0.02% |
| Q3 2024 | $597.4M | $667.1M | 31.88% | 12.76% | 0.02% |
| Q4 2024 | $618.1M | $692.3M | 31.22% | 12.37% | 0.02% |
| Q1 2025 | $631.3M | $720.0M | 31.43% | 11.97% | 0.02% |
| Q2 2025 | $645.9M | $711.4M | 30.00% | 12.30% | 0.02% |
| Q3 2025 | $663.5M | $708.8M | 29.67% | 12.11% | 0.02% |
| Q4 2025 | $691.1M | $707.3M | 32.57% | 11.80% | 0.02% |
| Q1 2026 | $695.0M | $725.9M | 33.36% | 11.87% | 0.01% |
| Q2 2026 | $714.4M | $730.2M | 33.26% | 11.80% | 0.01% |
Windsor Federal Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Windsor Federal Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Windsor Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29632) · FFIEC NIC profile (RSSD 92676)