WEBSTER FINANCIAL CORPORATION is a bank holding company that has elected to be treated as a financial holding company under the Bank Holding Company Act. The company operates as a commercial bank with a national bank charter providing financial products and services to businesses individuals and families. Its core footprint spans the Northeast from the New York metropolitan area to Rhode Island and Massachusetts with certain businesses operating in extended geographies. As of March 31 2026 the company reported 85.6 billion in total consolidated assets and operates through three differentiated lines of business Commercial Banking Healthcare Financial Services and Consumer Banking.

WEBSTER FINANCIAL CORPORATION generates revenue primarily through net interest income and non-interest income. Net interest income is derived from interest and fees on loans and leases taxable and non-taxable interest on investment securities and other interest and dividends. Non-interest income comes from deposit service fees loan and lease related fees wealth and investment services cash surrender value of life insurance policies gains on sale of investment securities and other income sources. For the three months ended March 31 2026 the company reported net interest income of 634.4 million and non-interest income of 101.5 million resulting in total revenue of 735.9 million.

The company's operations are organized into three reportable segments that represent its differentiated lines of business Commercial Banking Healthcare Financial Services and Consumer Banking.

• Commercial Banking: This segment provides financial solutions nationally to a wide range of companies investors government entities and other public and private institutions. It offers expertise in Commercial Real Estate Middle Market Sponsor and Specialty Finance Verticals and Regional Banking Asset Based Lending and Commercial Services and Treasury Management. The segment also includes a Private Banking team that pairs holistic wealth solutions with commercial banking services.

• Healthcare Financial Services: This segment includes HSA Bank one of the country's largest providers of employee benefits solutions and a leading bank administrator of health savings accounts emergency savings accounts and flexible spending account administration services in all 50 states. It also includes Ametros the nation's largest professional administrator of medical insurance claim settlements which helps individuals manage their ongoing medical care through its CareGuard service and proprietary technology platform.

• Consumer Banking: This segment delivers customized financial solutions to individuals families and small to mid-sized businesses through experienced relationship managers and wealth advisors across 195 banking centers located throughout the Northeast. It offers a full suite of deposit lending treasury management and wealth management solutions along with a fully digital banking experience through its mobile banking app and BrioDirect.

WEBSTER FINANCIAL CORPORATION maintains a strong position within the regional banking industry through its diverse business lines solid capital position and specialized expertise in healthcare financial services. The company was classified as well capitalized under regulatory guidelines with Common Equity Tier 1 capital ratio of 11.42% Tier 1 risk based capital ratio of 11.91% and total risk based capital ratio of 13.89% as of March 31 2026. Its competitive advantages include a unique deposit profile strong risk management framework and the ability to serve customers across multiple financial needs through its three distinct business segments.

WEBSTER FINANCIAL CORPORATION serves a diverse customer base across its business segments. Commercial Banking serves companies investors government entities and other public and private institutions. Healthcare Financial Services serves employers through its HSA Bank operations and individuals needing medical insurance claim settlement services through Ametros. Consumer Banking serves individuals families and small to mid-sized businesses throughout the Northeast region. Overall the company provides financial services to businesses individuals and families across its geographic footprint.