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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.91% | 0.80% | 0.92% | 0.93% | 0.98% | 1.01% | 1.08% | +17 bps | |
| Return on Equity | 7.67% | 7.34% | 6.33% | 7.18% | 7.28% | 7.61% | 7.60% | 8.15% | +96 bps | |
| Net Interest Margin | 2.68% | 2.72% | 2.89% | 2.97% | 2.99% | 3.03% | 3.24% | 3.22% | +25 bps | |
| Efficiency Ratio | 67.16% | 68.16% | 67.59% | 66.39% | 66.07% | 64.82% | 61.73% | 62.55% | -384 bps | |
| Non-Interest Burden | 1.63% | 1.70% | 1.82% | 1.82% | 1.83% | 1.81% | 1.83% | 1.85% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.34% | 5.26% | 3.66% | 1.70% | 2.35% | 2.13% | 3.71% | 4.87% | +317 bps | |
| Loan Growth (YoY) | 7.72% | 4.24% | 3.32% | 1.26% | 3.07% | 2.31% | 3.19% | 4.57% | +331 bps | |
| Deposit Growth (YoY) | 7.35% | 9.58% | 10.82% | 10.92% | 7.40% | 6.73% | 7.08% | 7.48% | -343 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.71% | 1.81% | 1.72% | 1.70% | 1.54% | 1.45% | 1.42% | 1.41% | -29 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.14% | -0.08% | -0.07% | -0.05% | -0.04% | 0.00% | 0.00% | +7 bps | |
| Allowance / Loans | 1.25% | 1.24% | 1.27% | 1.27% | 1.28% | 1.29% | 1.31% | 1.29% | +2 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.7x | 0.7x | 0.8x | 0.9x | 0.9x | 0.9x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.77% | 12.85% | 13.15% | 13.36% | 13.47% | 13.61% | 13.84% | 13.87% | +51 bps | |
| Total Risk-Based Capital | 12.77% | 12.85% | 13.15% | 13.36% | 13.47% | 13.61% | 13.84% | 13.87% | +51 bps | |
| Equity / Assets | 12.49% | 12.46% | 12.83% | 12.95% | 13.08% | 13.25% | 13.36% | 13.32% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.86% | 108.05% | 108.44% | 108.27% | 109.26% | 103.58% | 104.50% | 105.34% | -293 bps | |
| Liquid Assets / Assets | 3.47% | 3.41% | 2.84% | 3.23% | 3.52% | 2.72% | 2.14% | 2.08% | -115 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 207% | 205% | 209% | n/a | n/a | |