Danbury, CT · Cert 15912 · Ives Mutual Holding Co. Inc.
SI · FDIC · 16 branches
Q2 2026
Market Position · Bridgeport-Stamford-Danbury, CT · 2026 SOD (annual) · 1.6% share · #12 of 25 inst. · $1.2B of $77.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 0.97% | 1.13% | 1.01% | 1.16% | +13 bps | |
| Return on Equity | 8.02% | 7.46% | 8.57% | 7.60% | 8.69% | +67 bps | |
| Net Interest Margin | 3.06% | 3.10% | 3.23% | 3.24% | 3.26% | +20 bps | |
| Efficiency Ratio | 65.27% | 65.45% | 61.36% | 61.73% | 63.35% | -192 bps | |
| Non-Interest Burden | 1.84% | 1.87% | 1.81% | 1.83% | 1.91% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.70% | 2.35% | 2.13% | 3.71% | 4.87% | +317 bps | |
| Loan Growth (YoY) | 1.26% | 3.07% | 2.31% | 3.19% | 4.57% | +331 bps | |
| Deposit Growth (YoY) | 10.92% | 7.40% | 6.73% | 7.08% | 7.48% | -343 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.70% | 1.54% | 1.45% | 1.42% | 1.41% | -29 bps | |
| Net Charge-Offs / Loans | -0.06% | 0.01% | -0.01% | 0.00% | 0.00% | +6 bps | |
| Allowance / Loans | 1.27% | 1.28% | 1.29% | 1.31% | 1.29% | +2 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.8x | 0.9x | 0.9x | 0.9x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.36% | 13.47% | 13.61% | 13.84% | 13.87% | +51 bps | |
| Total Risk-Based Capital | 13.36% | 13.47% | 13.61% | 13.84% | 13.87% | +51 bps | |
| Equity / Assets | 12.95% | 13.08% | 13.25% | 13.36% | 13.32% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 108.27% | 109.26% | 103.58% | 104.50% | 105.34% | -293 bps | |
| Liquid Assets / Assets | 3.23% | 3.52% | 2.72% | 2.14% | 2.08% | -115 bps | |
| CRE / Total Capital | n/a | 207% | 205% | 209% | n/a | n/a | |