Windsor Federal Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 75.01 percentage points lower than in Q1 2026, at 38.46%. Windsor Federal Bank has the 1st lowest return on assets of the 27 banks headquartered in Connecticut, at -0.30% as of Q2 2026. Windsor Federal Bank's return on assets of -0.30% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.55 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.91% |
| Equity capital to assets | 8.90% |
| Tangible equity to tangible assets | 8.82% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.28% |
| Non-performing assets ratio | 1.82% |
| Net charge-off ratio | 1.57% |
| Texas ratio | 19.12% |
| Allowance for credit losses to loans | 0.88% |
| Reserve coverage of non-performing loans | 38.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.30% |
| Return on equity | -3.33% |
| Net interest margin | 3.62% |
| Efficiency ratio | 73.46% |
| Yield on earning assets | 4.88% |
| Cost of funds | 1.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.84% |
| Core deposits to total deposits | 90.15% |
| Brokered deposits to total deposits | 0.68% |
| Deposits to assets | 81.55% |
| Securities to assets | 13.35% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.06% | 0.46% | 3.09% | 0.98% | 0.00% |
| Q4 2023 | 9.92% | 0.55% | 3.19% | 0.90% | 0.01% |
| Q1 2024 | 10.17% | 0.50% | 3.14% | 0.93% | 0.00% |
| Q2 2024 | 10.15% | 0.52% | 3.19% | 0.91% | 0.00% |
| Q3 2024 | 10.06% | 0.46% | 3.12% | 1.00% | 0.03% |
| Q4 2024 | 9.97% | 0.42% | 3.12% | 0.91% | 0.00% |
| Q1 2025 | 9.94% | 0.41% | 3.10% | 0.88% | 0.00% |
| Q2 2025 | 9.96% | 0.58% | 3.31% | 0.83% | -0.00% |
| Q3 2025 | 10.04% | 0.43% | 3.45% | 0.70% | 0.39% |
| Q4 2025 | 10.05% | 0.71% | 3.51% | 0.71% | 0.00% |
| Q1 2026 | 10.06% | 0.70% | 3.61% | 0.76% | 0.00% |
| Q2 2026 | 9.91% | -0.30% | 3.62% | 2.28% | 1.57% |
Windsor Federal Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Windsor Federal Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)