Bankwell Financial Group is a bank holding company that operates Bankwell Bank, a Connecticut-based community bank serving commercial and middle-market businesses and not-for-profit organizations across Connecticut and New York. The bank generates revenue primarily through net interest income on a loan portfolio heavily weighted toward commercial real estate and business lending, along with fee income from deposit and banking services, with deposits serving as its main funding source. Bankwell differentiates itself through localized decision-making, personalized service, disciplined underwriting, and deep relationships in its market rather than pursuing large corporate clients, positioning itself as a relationship-focused regional bank catering to small and medium-sized businesses and professionals.