Windsor Federal Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 2.28% from 0.76% in the prior period. Windsor Federal Bank is the primary bank subsidiary of its parent holding company, headquartered in Windsor, CT. The Q2 2026 balance sheet stands at $895M in assets, including $714M in loans. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.91% exceeds the CBLR threshold. The bank reported a loss in the most recent quarter, with ROA at -0.30% and ROE at -3.33%. Asset quality merits closer attention with NPLs at 2.28%. Windsor Federal operates a 11-branch network.
As of June 30, 2026, Windsor Federal Bank reported a Tier 1 leverage ratio of 9.91%, a return on assets of -0.30%, a nonperforming-loan ratio of 2.28%, a Texas ratio of 19.12%, per financial data filed with the FFIEC.
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
- Offices
- 11 domestic
- Employees (FTE)
- 113
- Domestic deposits
- $730.2M
- Allowance for credit losses
- $6.3M
- Net charge-offs (YTD)
- $2.8M
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Windsor Federal Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Windsor Federal 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.91% | -0.30% | 2.28% | 19.12% | 3.62% |
| Q1 2026 | 10.06% | 0.70% | 0.76% | 6.21% | 3.61% |
| Q4 2025 | 10.05% | 0.71% | 0.71% | 5.80% | 3.51% |
| Q3 2025 | 10.04% | 0.43% | 0.70% | 5.66% | 3.45% |
| Q2 2025 | 9.96% | 0.58% | 0.83% | 6.80% | 3.31% |
| Q1 2025 | 9.94% | 0.41% | 0.88% | 7.23% | 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
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 11 branches →
| 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
What the public regulatory sources show for Windsor Federal Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in CT, rank 28 of 49 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Windsor Federal Bank headquartered?
Windsor Federal Bank is headquartered in Windsor, CT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Windsor Federal Bank founded?
Windsor Federal Bank was established in 1935, per the FDIC institution directory.
Is Windsor Federal Bank FDIC-insured?
Yes. Windsor Federal Bank is an FDIC-insured commercial bank (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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Windsor Federal Bank operate?
Windsor Federal Bank 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?
Windsor Federal Bank's Texas Ratio is 19.12% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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