TellerScore

Northwest Community Bank (FDIC certificate #18229) is based in Winsted, Connecticut. Its Q2 2026 call report shows $1.3B in total assets and $1.1B in deposits and 15 offices.

Based on its Q2 2026 filing, Northwest Community Bank scores 56/100, which we describe as moderate. That is higher than only 15% of 897 banks with $1 billion – $10 billion. Among 27 banks headquartered in Connecticut, it ranks 22nd. Its strongest component is problem-loan coverage (87/100; 6.5%), and its lowest is capital cushion (37/100; 8.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Tier 1 leverage ratio: 8.72%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.60%
Earnings41/100
Return on assets (annualized): 0.53%
Funding & liquidity53/100
Loans ÷ deposits and uninsured-deposit share: 96.8% · 24.5% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.46%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (57 → 56).

TellerScore
545657Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202456
Q3 202454
Q4 202455
Q1 202555
Q2 202557
Q3 202556
Q4 202557
Q1 202656
Q2 202656
Tier 1 leverage ratio
5.00%6.89%8.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20248.61%
Q3 20248.63%
Q4 20248.64%
Q1 20258.55%
Q2 20258.71%
Q3 20258.78%
Q4 20258.78%
Q1 20268.70%
Q2 20268.72%
Noncurrent loans
0.36%0.53%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.36%
Q3 20240.69%
Q4 20240.54%
Q1 20250.60%
Q2 20250.53%
Q3 20250.56%
Q4 20250.50%
Q1 20260.57%
Q2 20260.60%
Return on assets
0.10%0.32%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.10%
Q3 20240.15%
Q4 20240.18%
Q1 20250.25%
Q2 20250.37%
Q3 20250.41%
Q4 20250.45%
Q1 20260.49%
Q2 20260.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$1.3B8.72%0.60%0.53%96.8%
Q1 202656$1.2B8.70%0.57%0.49%93.6%
Q4 202557$1.2B8.78%0.50%0.45%97.4%
Q3 202556$1.2B8.78%0.56%0.41%92.1%
Q2 202557$1.2B8.71%0.53%0.37%91.4%
Q1 202555$1.2B8.55%0.60%0.25%89.1%
Q4 202455$1.2B8.64%0.54%0.18%89.6%
Q3 202454$1.2B8.63%0.69%0.15%87.8%
Q2 202456$1.1B8.61%0.36%0.10%89.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.72%
8th
Total risk-based capital13.11%
43rd
Problem loans0.60%
43rd
Net charge-offs0.00%
72nd
Return on assets0.53%
9th
Net interest margin3.13%
20th
Efficiency ratio79.5%
8th
Loans to deposits96.8%
21st
Uninsured deposits24.5%
71st
Loan-loss reserves0.91%
21st
Texas ratio6.5%
30th

Similar-size banks in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Dime BankBank Norwich, CT72 out of 100, Strong$1.2B11.8%0.20%vs
Patriot Bank, National AssociationBank Stamford, CT36 out of 100, Low$1.3B9.6%2.75%vs
Ascend BankBank Guilford, CT66 out of 100, Moderate$1.5B9.7%0.50%vs
The Torrington Savings BankBank Torrington, CT82 out of 100, Strong$1.0B19.0%0.14%vs
Ives BankBank Danbury, CT67 out of 100, Moderate$1.7B13.9%1.41%vs
Chelsea Groton BankBank Groton, CT82 out of 100, Strong$1.8B16.7%0.48%vs

Deposit insurance

Is my money safe at Northwest Community Bank?

Yes. Northwest Community Bank is an FDIC-insured institution (FDIC certificate #18229). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.5% of deposits ($259.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.72%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.11% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

Northwest Community Bank lists 14 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Northwest Community Bank reported 225 home-loan applications under HMDA (LEI 254900W4EKVR6GZ0KS84): 196 originated ($99,280,000 total), 7 denied, and 21 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Northwest Community Bank
Former names
Northwest Bank for Savings; Mechanics Savings Bank of Winsted
Type
SI
FDIC certificate #
18229
RSSD ID
545604
Primary regulator
FDIC
Holding company
Connecticut Mutual Holding Co
Established
July 15, 1875
Headquarters
86 Main St, Winsted, CT 06098
Employees
165

Quick answers

Northwest Community Bank: common questions

Is Northwest Community Bank FDIC insured?

Yes. Northwest Community Bank is an FDIC-insured institution (FDIC certificate #18229). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Northwest Community Bank's TellerScore?

56 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Northwest Community Bank ever failed?

There is no failure record for FDIC certificate #18229 in the FDIC failed bank list.

How many branches does Northwest Community Bank have?

15 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Winsted

InstitutionScoreAssetsCapitalProblem loansCompare
Ct Firefighters Federal Credit UnionCredit union Hartford, CT85 out of 100, Very strong$34.7M11.6%0.00%vs
The Torrington Savings BankBank Torrington, CT82 out of 100, Strong$1.0B19.0%0.14%vs
Kief Protective Mutual Benefit Ass. Credit UnionCredit union Bloomfield, CT80 out of 100, Strong$605K22.2%0.00%vs
Liberty BankBank Middletown, CT79 out of 100, Strong$9.4B13.4%0.32%vs
Dutch Point Credit UnionCredit union Wethersfield, CT77 out of 100, Strong$565.4M10.6%0.12%vs
United Business & Industry Federal Credit UnionCredit union Plainville, CT77 out of 100, Strong$141.4M11.6%0.09%vs