---
schema_version: "secwatch.filing_event.v1"
accession: "0000801337-25-000002"
form_type: "8-K"
ticker: "WBS"
cik: "0000801337"
company_name: "WEBSTER FINANCIAL CORP"
filed_at: "2025-01-17T23:59:59+00:00"
generated_at: "2026-05-27T23:36:25.627726+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Webster Q4 GAAP EPS $1.01 vs $1.05 YoY; adjusted EPS $1.43; loan growth 1.1% QoQ; NPLs rise to 0.88%

## Summary
- GAAP net income $173.6M ($1.01 diluted EPS) includes $56.9M securities loss and $29.4M DTA adjustment; adjusted EPS $1.43 vs $1.46 YoY.
- Total revenue $661.0M; net interest income $608.5M (+6.6% YoY) with NIM of 3.39%.
- Loans and leases $52.5B, up $0.6B QoQ; deposits $64.8B, up $0.2B QoQ; loan-to-deposit ratio 81.1%.
- Provision for credit losses $63.5M; net charge-offs $60.9M (0.47% of avg loans) vs $34.0M (0.27%) a year ago.
- Nonperforming loans $461.3M (0.88% of loans) vs $209.5M (0.41%) at Dec 2023; allowance coverage 149% of NPLs.

## SEC filing metadata
- accession: 0000801337-25-000002
- form_type: 8-K
- ticker: WBS
- cik: 0000801337
- company_name: WEBSTER FINANCIAL CORP
- filed_at: 2025-01-17T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/801337/000080133725000002/0000801337-25-000002-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/801337/000080133725000002/wbs-20250117.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000801337-25-000002
- JSON: https://secwatch.observer/filing/0000801337-25-000002.json
- Plain text: https://secwatch.observer/filing/0000801337-25-000002.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.