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Webster Bank, National Association
Stamford, CT·FDIC Cert #18221·Charter: OCC·Est. 18700101.0·HC: WEBSTER FINANCIAL CORP
Total Assets
$84.0B
Q4 2025
Return on Assets
1.26%
-0.01%Peer avg: 1.26%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
46.99%
Peer avg: 53.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.26%-0.01
ROE
10.62%-0.01
Efficiency
46.99%+0.87
Equity/Assets
0.00%+0.00
NPL Ratio
0.92%-0.14
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
81.12%+1.93
Charge-offs
0.33%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.1 | 1.1 | 1.0 | 1.2 | 1.2 | 1.3 | 1.3 |
| ROE | 9.8 | 9.0 | 8.8 | 8.6 | 9.8 | 10.4 | 10.6 | 10.6 |
| Efficiency | 47.3 | 47.0 | 47.9 | 47.2 | 46.3 | 46.1 | 46.1 | 47.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.7 | 0.8 | 0.9 | 1.2 | 1.1 | 1.1 | 0.9 |
| Charge-offs | 0.3 | 0.3 | 0.3 | 0.3 | 0.4 | 0.3 | 0.3 | 0.3 |
| Loan/Deposit | 83.0 | 81.7 | 79.2 | 79.5 | 79.6 | 79.9 | 79.2 | 81.1 |
Balance Sheet
Total Assets$84.0B
Total Deposits$68.9B
Total Loans$55.9B
Total Equity$9.8B
Profitability
ROA1.26%
ROE10.62%
Efficiency Ratio46.99%
Net Income$1.0B
Risk & Asset Quality
NPL Ratio0.92%
Charge-off Rate0.33%
Loan/Deposit81.12%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans