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

Windsor Federal Bank

Windsor, Connecticut · $895M in assets · beside the 9 other Connecticut banks between $300M and $1B

The filing

+10.6%
Loans, year over year
2nd of 10, largest first
0.20%
ROA
9th of 10
213.9%
CRE / capital
8th of 10

Windsor Federal Bank is the second largest of the 10 Connecticut banks between $300M and $1B, with $895M in assets at 30 June 2026. Loans are 97.8% of deposits, 6th of 10 against a median of 93.9%, and equity is 8.9% of assets, 7th of 10. Loans grew +10.6% in the year, 2nd of 10, and deposits grew 2.6%; the cohort's median loan growth is +3.1%.

Noncurrent loans are 0.99% of the book, 6th of 10 against a median of 0.77%; 0.06% is 30 to 89 days past due, and the allowance covers them 0.9 times. Net charge-offs are 0.77% of loans, 9th of 10. Commercial real estate is 26.5% of loans, 6th of 10 against a median of 24.6%, and 214% of capital, below the 300% screen, with construction at 36% against the 100% screen.

Return on assets is 0.20%, 9th of 10 against a median of 0.73%, on an efficiency ratio of 74.3%, 5th of 10. Five years ago it was 0.54%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsCT banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 0.73% SS Stafford Savings Bank 8.32% DB DR Bank 2.50% EB Essex Bank 1.09% NI National Iron Bank 0.83% FB First Bank of Greenwich 0.82% MB Milford Bank 0.65% JC Jewett City Savings Bank 0.33% CC Connecticut Community Bank N.A. 0.25% WF Windsor Federal Bank 0.20% FP Fieldpoint Private Bank & Trust -0.29%
Loans, year over yearCT banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +3.1% DB DR Bank +23.5% WF Windsor Federal Bank +10.6% JC Jewett City Savings Bank +7.7% MB Milford Bank +4.7% NI National Iron Bank +4.5% CC Connecticut Community Bank N.A. +1.7% FB First Bank of Greenwich +1.6% EB Essex Bank +1.2% SS Stafford Savings Bank -0.5% FP Fieldpoint Private Bank & Trust -22.6%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers, Windsor Federal Bank among them; owner-occupied excluded; bold marks a screen met
Windsor Federal BankRankCohort median
Total CRE against capital, the 300% screen214%8th of 10134%
Construction against capital, the 100% screen36%6th of 1034%
Construction and land development, share of loans4.5%6th of 104.5%
Non-owner-occupied nonfarm nonresidential, share of loans19.3%7th of 1013.8%
Total CRE, the guidance definition, share of loans26.5%6th of 1024.6%
CRE growth over 36 months, the third prong+25.3%6th of 10+21.3%
Commercial real estate against capital, the 300% screenCT banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 134% SS Stafford Savings Bank 1% NI National Iron Bank 61% EB Essex Bank 125% CC Connecticut Community Bank N.A. 127% DB DR Bank 131% MB Milford Bank 137% JC Jewett City Savings Bank 200% WF Windsor Federal Bank 214% FP Fieldpoint Private Bank & Trust 257% FB First Bank of Greenwich 367%
CRE growth over 36 months, the guidance's third prongCT banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +21.3% FP Fieldpoint Private Bank & Trust -61.7% NI National Iron Bank -33.1% CC Connecticut Community Bank N.A. -5.0% MB Milford Bank +2.7% DB DR Bank +17.2% WF Windsor Federal Bank +25.3% FB First Bank of Greenwich +38.1% EB Essex Bank +43.3% SS Stafford Savings Bank +96.5% JC Jewett City Savings Bank +120.9%

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
DR Bank$913M2.5%50.6%0.14%0.30%0.7%99.6%9.6%
Windsor Federal Bank$895M0.2%74.3%0.99%0.77%0.9%97.8%8.9%
Fieldpoint Private Bank & Trust$867M-0.3%119.0%1.93%0.02%1.0%79.2%6.5%
First Bank of Greenwich$812M0.8%65.7%1.30%0.00%1.1%106.7%9.3%
Milford Bank$652M0.6%77.1%0.49%0.00%1.0%101.8%8.9%
Essex Bank$537M1.1%82.5%1.27%0.00%0.9%82.4%14.3%
Connecticut Community Bank N.A.$526M0.3%91.8%0.02%0.00%1.1%72.7%13.7%
Stafford Savings Bank$507M8.3%51.0%0.56%-0.03%1.9%32.9%48.9%
Jewett City Savings Bank$494M0.3%75.8%1.01%0.88%1.0%101.5%14.1%
National Iron Bank$318M0.8%69.9%0.00%0.00%0.5%90.1%8.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Windsor Federal BankCohort median
20212026Change20212026Change
Loans$468M$714M+53%$380M$464M+22%
Deposits$623M$730M+17%$446M$480M+7%
NPA / loans0.44%0.99%+0.56 pts0.44%0.77%+0.34 pts
Efficiency78.6%74.3%-4.3 pts82.4%75.1%-7.3 pts
ROA0.54%0.20%-0.34 pts0.52%0.73%+0.21 pts

This read was prepared for Windsor Federal Bank'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 Windsor Federal Bank 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 CT banks $300M to $1B
Institution www.windsorfederal.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. 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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