Windsor Federal Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Windsor Federal Bank of Windsor, CT against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.30% | 1.35% | -1.65% | 3rd bottom |
| ROAE | -3.33% | 13.33% | -16.66% | 3rd bottom |
| Net Interest Margin | 3.62% | 3.93% | -0.31% | 33rd below |
| Efficiency Ratio | 73.46% | 61.13% | +12.33% | 22nd bottom |
| PPNR / Avg Assets | 1.00% | 1.68% | -0.68% | 20th bottom |
| Yield on Earning Assets | 4.88% | 5.67% | -0.79% | 19th bottom |
| Cost of Funds | 1.34% | 1.88% | -0.54% | 78th top |
| Net Interest Spread | 2.96% | 3.32% | -0.36% | 31st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.28% | 0.94% | +1.34% | 11th bottom |
| NPA / Total Assets | 1.82% | 0.70% | +1.12% | 9th bottom |
| NCO / Avg Loans | 1.57% | 0.15% | +1.42% | 2nd bottom |
| ACL / Total Loans | 0.88% | 1.28% | -0.40% | 15th bottom |
| ACL / NPLs (Coverage) | 38.46% | 1540.10% | -1501.64% | 6th bottom |
| Texas Ratio | 19.12% | 7.32% | +11.80% | 9th bottom |
| Provision / NCO | 115.02% | 1397.18% | -1282.16% | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.91% | 12.14% | -2.23% | 29th below |
| Equity / Assets | 8.90% | 11.38% | -2.48% | 26th below |
| TCE / Tangible Assets | 8.82% | 11.10% | -2.28% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.84% | 80.62% | +17.22% | 14th bottom |
| Core Deposit Ratio | 90.15% | 86.86% | +3.29% | 55th above |
| Wholesale Funding Ratio | 8.44% | 5.03% | +3.41% | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.53% | 6.85% | -0.32% | 66th above |
| Loan Growth (Y/Y) | 10.61% | 7.90% | +2.71% | 76th top |
| Deposit Growth (Y/Y) | 2.64% | 6.29% | -3.65% | 40th below |
See Windsor Federal Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Windsor Federal Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Windsor Federal Bank profile, how to read a UBPR, or how this data updates.