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Bankwell Bank
New Canaan, CT·FDIC Cert #57368·Charter: STATE·Est. 20020422.0·HC: BANKWELL FINANCIAL GROUP INC
Total Assets
$3.4B
Q4 2025
Return on Assets
1.27%
+0.00%Peer avg: 1.26%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
48.21%
Peer avg: 57.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.27%+0.00
ROE
12.19%+0.03
Efficiency
48.21%-1.24
Equity/Assets
0.00%+0.00
NPL Ratio
0.58%-0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
98.36%+1.51
Charge-offs
-0.01%+0.00
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 | 0.7 | 0.6 | 0.5 | 0.5 | 1.0 | 1.2 | 1.3 | 1.3 |
| ROE | 7.3 | 5.4 | 5.1 | 5.3 | 9.9 | 11.4 | 12.2 | 12.2 |
| Efficiency | 50.1 | 48.9 | 49.6 | 49.9 | 54.4 | 51.7 | 49.5 | 48.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 2.0 | 2.1 | 2.5 | 2.0 | 1.0 | 0.9 | 0.6 | 0.6 |
| Charge-offs | 0.5 | 0.3 | 0.9 | 0.8 | 0.0 | -0.0 | -0.0 | -0.0 |
| Loan/Deposit | 98.6 | 97.9 | 96.0 | 95.5 | 94.5 | 95.1 | 96.8 | 98.4 |
Balance Sheet
Total Assets$3.4B
Total Deposits$2.9B
Total Loans$2.8B
Total Equity$348.3M
Profitability
ROA1.27%
ROE12.19%
Efficiency Ratio48.21%
Net Income$41.2M
Risk & Asset Quality
NPL Ratio0.58%
Charge-off Rate-0.01%
Loan/Deposit98.36%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans