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CEO's Message

Windsor Federal closed out our fiscal year with record earnings and continues to be well-capitalized. As the only mutual bank headquartered in Hartford County, our founding principle of “Neighbors Helping Neighbors” enables us to act in the best interest of our customers, who are our owners, rather than any outside shareholders. Guided by our mission, we build solid partnerships with our customers and communities, building a solid foundation upon which they can thrive.

Through its 87 years, Windsor Federal has remained a steady and reliable constant in sometimes challenging environments, like those that have presented themselves in the last year. Windsor Federal takes great pride in its leadership role within the communities we serve. We do not take this responsibility lightly; we maintain prudent risk practices to ensure long-term financial performance and capital preservation. We are an FDIC-insured, highly-regulated bank. We are well-suited to support our customers through their own unique challenges and opportunities, with the assurance that their hard-earned money is safe.

Just as the world around us is ever-evolving, so is our organization. Upon publication of this Annual Report, Windsor Federal’s leadership will be turning to a new chapter. After 38 years of service in dedication to our mission, Bob Verrengia will be retiring from our Board of Directors, having served the last 11 years as Chairman. It has been a privilege to work alongside Bob, navigating the changing landscape of the banking industry. Among many notable characteristics, Bob has demonstrated courage,compassion, and fortitude in his leadership, which has been an integral part of our organization’s success. On behalf of our employees, customers, and community partners, I wish Bob and his wife, Betty, much enjoyment in retirement.

Over the last 11 years, it has been a great honor of mine to serve as President and Chief Executive Officer of Windsor Federal. It is my pleasure to continue to help steer the Bank on its charted course in my new role as Executive Chairman, and welcome Luke Kettles as President and Chief Executive Officer. Having been with Windsor Federal for seven years as its Chief Lending Officer, Luke is entrenched in the Bank’s mission and purpose, and I am confident that he will carry forward in our commitment to them.

The strength in our organization lies in our customers, communities, and team members. As we look to the future of our institution, we will continue to invest in technologies, products, and solutions that support the evolving needs of our customers – helping them to grow businesses, build homes, and invest in their futures.

All the best,
George Hermann, Chief Executive Officer

2023 Annual Report