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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Windsor, CT · FDIC certificate #29632
WINDSOR FEDERAL BANK is an FDIC-insured institution based in Windsor, CT (FDIC certificate #29632). In its Q3 2026 Call Report it reported total assets of $905M, total deposits of $711M and net loans of $717M. Its primary federal regulator is OCC.
Plain-language readout
WINDSOR FEDERAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $905M in Q3 2026 and were lowest at $882M in Q1 2026.
Total deposits were highest at $730M in Q2 2026 and lowest at $711M in Q3 2026.
Over the whole period total assets rose 2.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $905M | $711M | $717M | 0.41% | 4.62% | 3.71% |
| Q2 2026 | $895M | $730M | $708M | 0.20% | 2.23% | 3.67% |
| Q1 2026 | $882M | $726M | $689M | 0.71% | 7.78% | 3.67% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $15.6M | $21.9M | -$6.3M | -28.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $119.5M | $119.1M | +$448K | +0.4% |
| Equity securities with readily determinable fair values, not held for trading | $48K | $48K | $0K | 0.0% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $708.1M | $689.1M | +$19.1M | +2.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $17.7M | $18.1M | -$315K | -1.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $802K | $803K | -$1K | -0.1% |
| All other assets | $33.6M | $33.2M | +$376K | +1.1% |
| Total assets | $895.4M | $882.1M | +$13.3M | +1.5% |
| Liabilities | ||||
| Total deposits | $730.2M | $725.9M | +$4.3M | +0.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $3.5M | $3.1M | +$480K | +15.7% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $72.0M | $60.0M | +$12.0M | +20.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $10.0M | $13.0M | -$2.9M | -22.7% |
| Total liabilities | $815.8M | $801.9M | +$13.9M | +1.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $100K | $100K | $0K | 0.0% |
| Retained earnings | $88.9M | $89.6M | -$665K | -0.7% |
| Accumulated other comprehensive income | -$9.4M | -$9.5M | +$85K | +0.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $79.7M | $80.3M | -$580K | -0.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $7.1M | $4.8M | +$2.3M | +47.6% |
| Adjusted nonperforming assets | $7.1M | $4.8M | +$2.3M | +47.6% |
| Tangible equity plus allowance | $85.1M | $85.4M | -$279K | -0.3% |
| Texas ratio (gross) | 8.31% | 5.61% | +2.70 pts | See points |
| Texas ratio (adjusted) | 8.31% | 5.61% | +2.70 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 16.63% | 6.21% | +10.42 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.91% | 10.06% | -0.15 pts | See points |
| Construction and land loans to total capital | 33.91% | 30.50% | +3.41 pts | See points |
| Commercial real estate to total capital | 199.77% | 197.28% | +2.49 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -13.41% | -13.41% | +0.01 pts | See points |
| Liquidity | ||||
| Core deposits | $658.3M | $653.8M | +$4.5M | +0.7% |
| Non-core funding | $147.5M | $135.2M | +$12.3M | +9.1% |
| Loans to core deposits | 108.53% | 106.31% | +2.21 pts | See points |
| Loans to deposits | 97.84% | 95.75% | +2.08 pts | See points |
| Brokered deposits share of deposits | 0.68% | 0.69% | -0.00 pts | See points |
| Pledged securities share of securities | 5.74% | 5.30% | +0.43 pts | See points |
| Loans pledged, share of loans | 41.58% | 43.54% | -1.96 pts | See points |
| Volatile liabilities | $147.5M | $135.2M | +$12.3M | +9.1% |
| Earnings | ||||
| Earnings before provision, year to date | $4.3M | $2.1M | +$2.2M | +106.3% |
| Earnings before provision, single quarter | $2.2M | $2.1M | +$131K | +6.3% |
| Provision for credit losses, year to date | $3.3M | $165K | +$3.1M | +1875.8% |
| Yield and cost | ||||
| Yield on loans and leases | 5.36% | 5.40% | -0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 3.60% | 3.58% | +0.02 pts | See points |
| Total interest income to average assets | 4.59% | 4.59% | -0.00 pts | See points |
| Cost of interest-bearing transaction accounts | 0.14% | 0.31% | -0.17 pts | See points |
| Cost of savings and money market deposits | 1.09% | 1.05% | +0.04 pts | See points |
| Cost of time deposits | 3.24% | 3.24% | -0.01 pts | See points |
| Total interest expense to average assets | 1.19% | 1.20% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $905M | $711M | $717M | 0.41% | 4.62% | 3.71% |
| 2026-06-30 | $895M | $730M | $708M | 0.20% | 2.23% | 3.67% |
| 2026-03-31 | $882M | $726M | $689M | 0.71% | 7.78% | 3.67% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| CT | $711.4M | 0.40% | 28 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.