Message From the President and Chief Executive Officer

To Our Valued Customers and Community Members:

Thank you for your consideration of Windsor Federal Bank. I am honored to lead a Bank that is recognized as one of the most respected community banks in the region. Our Community Bankers recognize the responsibility of their roles in the community and work hard to provide competitive banking solutions that fully meet the financial needs and well-being of our customers. They strive to deliver our products with exceptional service and are actively involved in volunteering and supporting our communities.

Guided by our Mission, we are dedicated to building solid partnerships with our customers and communities and a solid foundation upon which they can thrive. Throughout our history, Windsor Federal has remained a steady and reliable constant in an ever-changing environment. We are a mutual bank which means we are owned by our depositors and not shareholders – a crucial difference! This organizational structure allows us to focus on long-term viability of the bank and to first serve the best interests of our customers and employees. We are a well-capitalized and FDIC-insured bank that is well-suited to support our customers through their own unique challenges and opportunities, with the assurance that their hard-earned money is safe.

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 state-of-the-art technologies, products, and solutions that support the evolving needs of our customers – helping to grow businesses, build homes, and invest in the future. We are honored to serve your personal and business banking needs. We have been a mutual bank since 1936 and are here for the long term. We feel privileged to help you meet your financial goals and are committed to building a brighter future together. 

I welcome you to learn more about our community bank and, once again, thank you for your consideration. 


Luke D. Kettles, President & Chief Executive Officer