← All bank profiles

Examined: Sat, 25 Apr 2026 19:39:48 GMT

Webster Bank, National Association

RSSD 761806 · CT · Total assets $83,985M

Composite CAMELS

2 — Satisfactory

Capital

0 findings

Asset Quality

0 findings

Management

0 findings

Earnings

0 findings

Liquidity

1 finding

Sensitivity

0 findings

Critical

High

Moderate

Low

Procedures run

Findings

MODERATE · Liquidity Procedure L-04

Cash and due-from coverage is unusually low

Citation

FFIEC Liquidity and Funds Management Handbook; OCC Comptroller's Handbook, Liquidity booklet

Evidence

Cash and balances at depositories $1,902M against total assets $78,957M. This is a narrow liquidity proxy (cash + interbank balances only) and excludes the institution's unencumbered securities portfolio, which is its primary liquidity buffer at normal sizing. Levels below 4% combined with weak alternative funding sources merit explicit Contingency Funding Plan review.

Recommended action

Provide a full liquidity position report including unencumbered securities (Treasuries, agency MBS), available FHLB / discount window collateral, and 30-day net cash outflow projections. Demonstrate the Contingency Funding Plan addresses scenarios where cash positions decline and securities cannot be sold without loss.

Key ratios computed

Tier 1 ratio

12.53%

↑ rank 16 of 33 · regional

Tier 1 leverage

9.04%

↑ rank 21 of 34 · regional

Total capital

13.74%

↑ rank 18 of 34 · regional

NPL ratio

0.93%

ACL coverage

141.29%

CRE concentration

121.46%

Construction conc.

24.08%

ROA (annualized)

1.03%

↑ rank 20 of 34 · regional

NIM

3.40%

↑ rank 14 of 34 · regional

Efficiency ratio

47.16%

↓ rank 6 of 34 · regional

Loans / Deposits

80.56%

Brokered / Deposits

4.88%

Uninsured / Deposits

28.08%

Liquid asset ratio

2.41%

HTM loss / Tier 1

—

Asset growth YoY

—

Trend — last 8 quarters

Total assets ($M)

$78,957M

23Q03$74,793M 23Q06$73,977M 23Q09$73,063M 23Q12$74,876M 24Q03$76,091M 24Q06$76,761M 24Q09$79,376M 24Q12$78,957M

Tier 1 leverage

9.04%

23Q039.40% 23Q069.14% 23Q099.48% 23Q129.69% 24Q039.04% 24Q069.07% 24Q099.18% 24Q129.04%

Tier 1 RBC ratio

12.53%

23Q0311.89% 23Q0612.21% 23Q0912.51% 23Q1212.43% 24Q0311.75% 24Q0611.79% 24Q0912.46% 24Q1212.53%

ROA (YTD ann.)

1.03%

23Q031.28% 23Q061.31% 23Q091.30% 23Q121.24% 24Q031.18% 24Q061.08% 24Q091.06% 24Q121.03%

NIM (YTD ann.)

3.40%

23Q033.66% 23Q063.61% 23Q093.61% 23Q123.57% 24Q033.38% 24Q063.38% 24Q093.37% 24Q123.40%

Efficiency ratio

47.2%

23Q0345.2% 23Q0646.5% 23Q0948.0% 23Q1249.8% 24Q0347.3% 24Q0647.0% 24Q0947.9% 24Q1247.2%

This report was produced in <200ms from the underlying procedures library. Production deployments cite source documents directly from your loan tape, GL, and core system.

Set up a pilot →