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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Connecticut, the state note

Webster Bank National Association

Connecticut · $85.90B in assets · beside the 5 other New England banks over $10B (the state alone holds too few in the band to rank)

The filing

49.9%
Efficiency
1st of 6
+7.3%
Loans, year over year
5th of 6, largest first
1.21%
ROA
2nd of 6

Webster Bank National Association is the third largest of the 6 New England banks over $10B, with $85.90B in assets at 30 June 2026. Loans are 81.9% of deposits, 3rd of 6 against a median of 85.6%, and equity is 11.4% of assets, 4th of 6. Loans grew +7.3% in the year, 5th of 6, and deposits grew 6.1%; the cohort's median loan growth is +18.4%.

Noncurrent loans are 0.76% of the book, 4th of 6 against a median of 0.66%; 0.20% is 30 to 89 days past due, and the allowance covers them 1.6 times. Net charge-offs are 0.29% of loans, 4th of 6. Commercial real estate is 34.8% of loans, 3rd of 6 against a median of 35.2%, and 256% of capital, below the 300% screen, with construction at 22% against the 100% screen.

Return on assets is 1.21%, 2nd of 6 against a median of 1.09%, on an efficiency ratio of 49.9%, the lowest in the cohort. Five years ago it was 1.37%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioNew England banks over $10B · 30 June 2026 · lower is stronger, listed first
median 60.2% WB Webster Bank National Association 49.9% RT Rockland Trust Co. 54.0% BB Beacon Bank & Trust 59.9% CB Citizens Bank National Association 60.6% EB Eastern Bank 60.7% SS State Street Bank & Trust Co. 67.6%
Loans, year over yearNew England banks over $10B · 30 June 2026 · no better direction, largest first
median +18.4% BB Beacon Bank & Trust +229.1% EB Eastern Bank +27.3% RT Rockland Trust Co. +26.6% SS State Street Bank & Trust Co. +10.3% WB Webster Bank National Association +7.3% CB Citizens Bank National Association +5.5%

SBA 7(a), FY2008 to FY2026

Webster Bank National Association is the 1st largest 7(a) lender into Connecticut of 230, with $446M across 1,608 loans, 11.1% of everything approved in the state (Webster Bank National Association leads with $446M). 14 of its 71 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Connecticut, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Bristol, MA$70M1st of 11214.7%-15.7 pts
Hartford, CT$69M2nd of 10112.4%-14.9 pts
Fairfield, CT$62M1st of 9410.2%-2.2 pts
Capitol, CT$61M1st of 10111.6%-4.3 pts
South Central Ct, CT$60M1st of 7016.8%-7.4 pts
New Haven, CT$59M1st of 10012.5%+0.6 pts
Western Ct, CT$46M1st of 9611.5%-7.4 pts
Providence, RI$44M5th of 996.7%-7.4 pts
Westchester, NY$35M7th of 1523.7%-1.0 pts
Middlesex, MA$32M12th of 1902.0%-0.3 pts
Kent, RI$25M3rd of 649.3%-15.3 pts
Norfolk, MA$21M6th of 1452.8%-5.3 pts
Kings, NY$20M34th of 1690.8%+1.4 pts
58 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Construction489$123M13.2%0.39%43rd of 2,063
Manufacturing256$123M13.1%0.31%56th of 2,246
Health care & social assistance313$120M12.8%0.25%61st of 2,172
Retail trade415$113M12.1%0.19%101st of 2,589
Wholesale trade164$89M9.5%0.35%53rd of 1,651
7(a) lenders into Connecticut, share of approvals since FY2008230 lenders on record; the ten largest and Webster Bank National Association
WB Webster Bank National Association 11.1% $446M · 1,608 loans Ma Manufacturers and Traders Trust C… 7.9% $315M · 2,046 loans LO Live Oak Banking Company 7.7% $307M · 252 loans NS Newtek Small Business Finance, In… 5.7% $227M · 276 loans KN KeyBank National Association 4.3% $173M · 570 loans TB TD Bank, National Association 4.3% $173M · 1,038 loans BB Beacon Bank and Trust 3.6% $146M · 418 loans CB Celtic Bank Corporation 3.4% $134M · 178 loans WF Wells Fargo Bank National Associa… 3.1% $126M · 350 loans LB Liberty Bank 2.7% $109M · 734 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Webster Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen256%4th of 6254%
Construction against capital, the 100% screen22%5th of 618%
Construction and land development, share of loans2.9%4th of 62.6%
Non-owner-occupied nonfarm nonresidential, share of loans18.5%4th of 618.4%
Total CRE, the guidance definition, share of loans34.8%3rd of 635.2%
CRE growth over 36 months, the third prong+8.5%3rd of 6+14.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
State Street Bank & Trust Co.$412.62B1.0%67.6%0.56%0.16%0.3%16.1%7.1%
Citizens Bank National Association$232.52B1.0%60.6%1.36%0.37%1.3%79.1%11.4%
Webster Bank National Association$85.90B1.2%49.9%0.76%0.29%1.3%81.9%11.4%
Eastern Bank$31.13B1.1%60.7%0.47%0.17%1.4%89.2%13.0%
Rockland Trust Co.$24.97B1.4%54.0%0.56%0.06%1.1%89.7%15.6%
Beacon Bank & Trust$22.20B1.1%59.9%0.90%0.31%1.3%95.6%11.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Webster Bank National AssociationCohort median
20212026Change20212026Change
Loans$21.48B$57.88B+169%$15.54B$37.85B+144%
Deposits$29.17B$70.67B+142%$21.60B$48.41B+124%
NPA / loans0.56%0.76%+0.20 pts0.55%0.66%+0.12 pts
Efficiency58.6%49.9%-8.7 pts60.3%60.2%-0.1 pts
ROA1.37%1.21%-0.16 pts1.27%1.09%-0.17 pts

This read was prepared for Webster Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Webster Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort New England banks over $10B

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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