FDIC Cert #18221 · Stamford, Connecticut · Est. 1870

Webster Bank, National Association - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$84.0B
Total assets
A
Health grade · Excellent
1.26%
Return on assets
12.2%
Tier 1 capital

Data updated July 2026

The verdict

Webster Bank, National Association earns a PlainBankData health grade of A (90/100), with well-capitalized at 12.19% Tier 1, profitable at 1.26% ROA, efficient (47% cost ratio).

#36
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
12.19%
Tier 1 ratio - above the 10% well-capitalized line
61st
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 18221 · CT A · 90/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (90/100)
  • UPPER-Q #777/4307
  • PHOTO-FINISH Northern Bank & Trus… · MA
  • TIER1-WELL 12.2% Tier 1
  • TEXAS-CLEAN 4.9% Texas
  • ROA-STRONG 1.26% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Connecticut: Northern Bank & Trust Company, MA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Webster Bank

Lowest and highest poles plus nearest scored peers outside Connecticut, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Cathay Bank · CA · near90/100First National Bank… · MI · …90/100Northern Bank & Trus… · MA ·…90/100River City Bank · CA · near90/100Webster Bank, Nation… · CT ·…90/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Webster Bank · July 2026

Plate reading for Webster Bank where failures stay rare

Webster Bank, National Association (FDIC Cert #18221) carries a PlainBankData health grade of A at 90/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #777 of 4,307. Tier 1 capital prints at 12.19%, clearing the 10% well-capitalized line. The Texas Ratio is 4.89%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.26%. Balance-sheet scale is $84.0B, 36th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Northern Bank & Trust Company (MA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Webster Bank

Only 2 FAILURE resolutions in Connecticut since 2000

Webster Bank, National Association is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (2 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • THE COMMUNITY'S BANK BRIDGEPORT, CT 2013
  • CONNECTICUT BANK OF COMMERCE STAMFORD, CT 2002 → HUDSON UNITED BANK
  • FAIRFIELD FIRST BANK & TRUST CO SOUTHPORT, CT 1996 → NORWALK SAVINGS SOCIETY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Connecticut banks.

How Webster Bank, National Association's 90/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10090/100
Webster Bank, National Association's composite health score
Tier 1 Capital Ratio (12.19%) 35/40
Return on Assets (ROA) (1.26%) 20/25
Texas Ratio (4.89%) 20/20
Efficiency Ratio (46.99%) 15/15

90 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$84.0B

Total balance-sheet footings

Total Deposits

$68.9B

Customer-funded liabilities

Net Loans

$55.9B

Outstanding loan book

Net Income

$1.0B

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.79% 12.19% 13.59%
Basel III capital ratios - Webster Bank, National Association

Where Webster Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Webster Bank, National Association's score of 90/100 falls in the highlighted band.

Webster Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

90 Top 18% higher than 82% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Webster Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Webster Bank, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Webster Bank, National Association's $84.0B falls in the highlighted band.

Safety metrics: Webster Bank

Tier 1 capital ratio
Well-capitalized 10%

12.19% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.19%
Texas Ratio
4.89%
Equity Capital
$9.8B

What these ratios mean →

Earnings posture at Webster Bank

Return on Assets (ROA)
61st percentile nationally
1.26%
Return on Equity (ROE)
10.62%
Efficiency Ratio
46.99%

What these mean →

Income & expense at Webster Bank

$4.0B
Interest Income
$368M
Non-Interest Income
$1.4B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Webster Bank, National Association reports a Texas Ratio of 4.89% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.89% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Webster Bank, National Association on FDIC BankFind →

Top banks in Connecticut by total assets

Largest banks headquartered in Connecticut
  1. 1
    Webster Bank $84.0B

    Stamford, CT · Grade A

  2. 2
    Liberty Bank $9.0B

    Middletown, CT · Grade B

  3. 3
    Bankwell Bank $3.4B

    New Canaan, CT · Grade A

  4. 4
    Union Savings Bank $3.3B

    Danbury, CT · Grade B

  5. 5
    Ion Bank $2.7B

    Naugatuck, CT · Grade B

Top 5 banks in Connecticut ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Webster Bank, National Association by assets

Measured strictly by total assets rather than geography, Webster Bank, National Association's closest national peers include First Horizon Bank, Flagstar Bank, East West Bank, Zions Bancorporation, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Connecticut. Averaged across this asset-matched cohort, return on assets runs 1.01% (Webster Bank, National Association is above that at 1.26%), the efficiency ratio averages 60.71% (Webster Bank, National Association runs leaner at 46.99%), and Tier 1 capital averages 12.04% (Webster Bank, National Association holds more at 12.19%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $84.0B in assets, Webster Bank, National Association has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Webster Bank, National Association nationally by total assets
  1. 1
    First Horizon Bank $83.6B

    Memphis, TN · Grade B

  2. 2
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

  3. 3
    East West Bank $79.7B

    Pasadena, CA · Grade A

  4. 4
    Zions Bancorporation $89.0B

    Salt Lake City, UT · Grade B

  5. 5
    Western Alliance Bank $92.7B

    Phoenix, AZ · Grade B

  6. 6
    UMB Bank $72.8B

    Kansas City, MO · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Webster Bank, National Association (this bank) CT $84.0B 1.26% 46.99% 12.19%
First Horizon Bank TN $83.6B 1.35% 56.18% 10.98%
Flagstar Bank, National Association NY $87.5B -0.14% 93.16% 12.83%
East West Bank CA $79.7B 1.72% 35.05% 13.85%
Zions Bancorporation, N.A. UT $89.0B 1.01% 62.94% 11.48%
Western Alliance Bank AZ $92.7B 1.10% 60.19% 11.76%
UMB Bank, National Association MO $72.8B 1.01% 56.76% 11.34%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($84.0B here), outside Connecticut so the neighborhood is not state containment.

First Horizon Bank $83.6B · TN Flagstar Bank $87.5B · NY East West Bank $79.7B · CA Zions Bancorporation $89.0B · UT

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Webster Bank, National Association (FDIC Cert #18221) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Webster Bank, National Association Call Report profile · FDIC Failed Bank List · Connecticut FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Connecticut

All Connecticut banks →
BankAssetsGradeROA
Liberty BankMiddletown $9.0B B 0.99%
Bankwell BankNew Canaan $3.4B A 1.27%
Union Savings BankDanbury $3.3B B 0.61%
Ion BankNaugatuck $2.7B B 0.79%
First County BankStamford $2.3B C 0.22%
Fairfield County BankRidgefield $1.9B C 0.46%
Thomaston Savings BankThomaston $1.9B B 0.78%
Newtown Savings BankNewtown $1.9B B 0.85%