Webster Bank
Webster Bank reported total assets of $85.9 bn at Q2 2026, its last Call Report before it merged into Santander Bank, N.A.. Its common equity tier 1 ratio was 12.23%, and an estimated 34.58% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Uninsured share of domestic deposits: down 1.52 pp on Q1 2026, to 34.58%
- Total deposits: up 1.9% on Q1 2026, to $70.7 bn
- Bank equity capital: up 1.2% on Q1 2026, to $9.8 bn
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about Webster Bank?
Its largest one-quarter change in total assets since Q1 2016 was +86.3% between Q4 2021 and Q1 2022, when it absorbed Sterling National Bank. By noncurrent loans to total loans it moved from 357th to 299th among 500 banks between Q1 2026 and Q2 2026 (1 = lowest).
How large is Webster Bank?
At Q2 2026 the bank held $85.9 bn of assets. Deposits were $70.7 bn and net loans and leases $57.2 bn, a loan-to-deposit ratio of 80.88%. Securities of $18.3 bn made up 21.3% of assets.
Total assets rose 244.8% between Q1 2016 and Q2 2026, from $24.9 bn.
How much of its funding is uninsured?
An estimated 34.58% of domestic deposits were above the FDIC insurance limit at Q2 2026, -1.52 pp from the previous quarter and +1.75 pp from a year earlier.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $85.9 bn | +5.0% | |
| Total deposits | $70.7 bn | +6.1% | |
| Net loans and leases | $57.2 bn | +7.4% | |
| Bank equity capital | $9.8 bn | +0.6% | |
| Common equity tier 1 (CET1) ratio | 12.23% | -0.32 pp | |
| Tier 1 leverage ratio | 8.51% | -0.56 pp | |
| Return on equity (ROE) | 10.82% | +0.39 pp | |
| Net interest margin | 3.31% | -0.13 pp | |
| Uninsured share of domestic deposits | 34.58% | +1.75 pp | |
| Unrealized gain/loss on held-to-maturity securities | Loss of $885.2 mn | Narrowed by $16.4 mn | |
| Noncurrent loans to total loans | 0.76% | -0.29 pp | |
| Net charge-offs to average loans | 0.29% | -0.05 pp |
US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026. Dashed amber lines mark the merger or acquisition listed under Mergers and acquisitions.
- Total assets $85.9bn
- Deposits $70.7bn
- Net loans $57.2bn
Capital and securities
The common equity tier 1 (CET1) ratio was 12.23% at Q2 2026, -0.32 pp from a year earlier. Since Q1 2016 it has ranged from 10.61% (Q4 2016) to 13.28% (Q1 2022). At Q2 2026 the tier 1 leverage ratio was 8.51% and the total risk-based capital ratio 13.47%. The median CET1 ratio of the size peers listed below was 11.71% at Q2 2026.
Held-to-maturity securities had an unrealized loss of $885.2 mn at Q2 2026, measured as fair value minus amortized cost, equal to 9.0% of bank equity capital. The loss narrowed by $16.4 mn from a year earlier. The largest unrealized loss on these securities was $1.2 bn at Q3 2023. Available-for-sale securities showed an unrealized loss of $575.6 mn at Q2 2026; the loss widened by $6.5 mn from a year earlier.
Capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 8.5%
Unrealized gains and losses on securities
- Available for sale -$576mn
- Held to maturity -$885mn
Profitability and loan quality
Return on equity was 10.82% for the year to Q2 2026, annualized, with a return on assets of 1.24% and a net interest margin of 3.31%. The margin was -0.13 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 48.71%. Net income for the year to Q2 2026 was $527.1 mn, up 5.5% on the same period a year earlier. The median return on equity of its size peers was 13.45% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.76% of total loans at Q2 2026. Net charge-offs for the year to date were 0.29% of average loans, annualized.
Profitability
- Return on equity 11%
- Net interest margin 3.3%
- Return on assets 1.2%
Compared with banks of similar size
The six banks ranked closest to Webster Bank by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, Webster Bank is 4th by total assets. Its CET1 ratio of 12.23% compares with a peer median of 11.71%, its tier 1 leverage ratio of 8.51% compares with a peer median of 9.56%, and its return on equity of 10.82% compares with a peer median of 13.45%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| Western Alliance Bank | $98.6 bn | 11.58% | 14.37% | 38.09% | |
| Zions Bancorporation | $89.0 bn | 11.83% | 18.57% | 46.17% | |
| Flagstar Bank | $87.7 bn | 13.16% | 1.36% | 28.94% | |
| Webster Bank | $85.9 bn | 12.23% | 10.82% | 34.58% | |
| East West Bank | $84.3 bn | 13.90% | 17.70% | 54.77% | |
| First Horizon Bank | $84.1 bn | 11.18% | 12.53% | 40.33% | |
| Old National Bank | $73.9 bn | 11.34% | 12.44% | 43.27% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 11.71%, return on equity 13.45%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
Webster Bank, as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets rose 8.2% to $85.9 bn, deposits rose 9.0% to $70.7 bn and bank equity capital rose 2.3% to $9.8 bn. Over the same period its full-time equivalent staff went from 4,249 to 4,565 and its offices went from 196 to 194.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $79.4 bn | $79.0 bn | $80.2 bn | $81.8 bn | $83.1 bn | $84.0 bn | $85.5 bn | $85.9 bn |
| Total deposits | $64.8 bn | $65.2 bn | $65.8 bn | $66.6 bn | $68.7 bn | $68.9 bn | $69.4 bn | $70.7 bn |
| Bank equity capital | $9.6 bn | $9.4 bn | $9.6 bn | $9.7 bn | $9.9 bn | $9.8 bn | $9.7 bn | $9.8 bn |
| Common equity tier 1 (CET1) ratio | 12.46% | 12.53% | 12.56% | 12.55% | 12.60% | 12.19% | 12.07% | 12.23% |
| Return on equity (ROE) | 8.81% | 8.58% | 9.85% | 10.43% | 10.63% | 10.62% | 10.78% | 10.82% |
| Uninsured share of domestic deposits | 35.08% | 34.59% | 33.51% | 32.83% | 35.64% | 34.54% | 36.10% | 34.58% |
| Full-time equivalent employees | 4,249 | 4,223 | 4,408 | 4,494 | 4,501 | 4,565 | 4,562 | 4,565 |
| Number of offices | 196 | 196 | 196 | 196 | 196 | 195 | 195 | 194 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
Figures before and after each event are not like for like.
- . Absorbed Sterling National Bank (FDIC certificate 30337).
- . Merged into Santander Bank, N.A. (FDIC certificate 29950).
Large one-quarter moves
- Total assets changed by +86.3% in the quarter to 2022-03-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Sterling National Bank.
Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.
Identifiers and sources
- FDIC certificate
- 18221
- Federal Reserve RSSD ID
- 761806
- Head office
- Stamford, Connecticut
- Holding company
- WEBSTER FINANCIAL CORP (as reported to the FDIC)
- Holding company RSSD ID
- 1145476
- EconoMonitor ID
- EMB-US-000050
Frequently asked questions
What were Webster Bank's total assets?
$85.9 bn at Q2 2026, according to its Call Report as published by the FDIC.
Is Webster Bank the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 18221). Its holding company, WEBSTER FINANCIAL CORP (as reported to the FDIC), reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after Webster Bank files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 18221, and in the Call Reports filed under RSSD ID 761806 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.