# WEBSTER BANK NATIONAL ASSN
STAMFORD, CT · FDIC certificate 18221 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $85.90B | |
| Deposits | $70.67B | |
| Loans and leases | $57.88B | |
| Total equity | $9.78B | |
| Loans / deposits | 80.88% (p33 of band) | 85.78% |
| Liquid assets / assets | 24.43% (p56 of band) | |
| Uninsured deposits / deposits | 34.58% (p40 of band) | 38.39% |
| Brokered deposits | 3.58% | |
| Wholesale funding | 8.22% (p52 of band) | |
| FHLB advances / assets | 4.26% | |
| Tier 1 leverage | 8.51% (p16 of band) | 10.17% |
| Unrealized securities loss / equity | -14.93% (p20 of band) | -7.43% |
| AOCI / equity | -0.99% (p16 of band) | |
| ROA (annualized) | 1.24% (p50 of band) | 1.24% |
| Net interest margin | 3.31% (p36 of band) | 3.57% |
| Efficiency ratio | 48.71% (p31 of band) | |
| Noncurrent loans | 0.76% (p58 of band) | 0.66% |
| Net charge-offs (annualized) | 0.20% (p75 of band) | |
| Reserve coverage of noncurrent | 163.82% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 17.32% (p33 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $8.03B (82% of equity) (p87 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 4565 | |

## Flags firing in the latest filing

- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | wholesale funding >15% |
| 2013-09 | 2 | wholesale funding >15% |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | reserve under noncurrent |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | wholesale funding >15% |
| 2015-06 | 3 | wholesale funding >15%, reserve under noncurrent |  |
| 2015-09 | 2 |  | reserve under noncurrent |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | wholesale funding >15% |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | capital falling |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | loans-to-lenders >50% equity |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 1 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-04-08 [Best Banks and Credit Unions in Massachusetts 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMilgFBVV95cUxQNjZpQUx5LXFkN2xSZ3pPSkdSeVFHYV9fc1A5Mk16b09wZG9lVmFpOEQ0LXJFV2tNQ1FsMzhkeTM3cmZIUmthdE9yWlVpSW5NaDgzcXU4MkZLNXhMQWMxYk1LSnc3Umlfb1RWUXFMbW4xRmxZcUpZM2h4b0lIQjFMRlhPemdCbWFpalBtbS02OXRjRmM3TFE?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18221 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "18221", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide