Danbury, CT · Cert 18190 · Usb Bcorp Inc.
SI · FDIC · 26 branches
Q2 2026
Market Position · Bridgeport-Stamford-Danbury, CT · 2026 SOD (annual) · 2.5% share · #8 of 25 inst. · $1.9B 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 | 0.67% | 0.69% | 0.43% | 0.77% | 0.85% | +17 bps | |
| Return on Equity | 7.35% | 7.38% | 4.60% | 8.09% | 8.67% | +132 bps | |
| Net Interest Margin | 2.67% | 2.74% | 2.70% | 2.74% | 2.83% | +17 bps | |
| Efficiency Ratio | 73.49% | 73.23% | 83.31% | 70.12% | 69.21% | -428 bps | |
| Non-Interest Burden | 1.79% | 1.84% | 2.13% | 1.74% | 1.75% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.66% | 5.60% | 6.83% | 5.87% | 4.61% | +95 bps | |
| Loan Growth (YoY) | 11.24% | 11.93% | 8.78% | 7.62% | 7.57% | -367 bps | |
| Deposit Growth (YoY) | 5.68% | 4.46% | 6.53% | 6.95% | 6.46% | +78 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.38% | 0.34% | 0.33% | 0.31% | 0.29% | -10 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | 0.12% | -0.01% | -0.01% | +1 bps | |
| Allowance / Loans | 1.07% | 1.06% | 1.01% | 1.03% | 1.02% | -4 bps | |
| Allowance Coverage of NPLs | 2.8x | 3.2x | 3.0x | 3.3x | 3.5x | +0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.50% | 11.53% | 11.33% | 11.41% | 11.48% | -2 bps | |
| Total Risk-Based Capital | 11.50% | 11.53% | 11.33% | 11.41% | 11.48% | -2 bps | |
| Equity / Assets | 9.26% | 9.38% | 9.48% | 9.65% | 9.87% | +61 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.62% | 96.99% | 93.40% | 92.11% | 93.58% | +97 bps | |
| Liquid Assets / Assets | 3.24% | 3.78% | 4.79% | 6.15% | 4.66% | +142 bps | |
| CRE / Total Capital | n/a | 381% | 384% | 376% | n/a | n/a | |