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 (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 | 0.39% | 0.23% | 0.67% | 0.67% | 0.68% | 0.61% | 0.77% | 0.81% | +14 bps | |
| Return on Equity | 4.53% | 2.72% | 7.51% | 7.44% | 7.42% | 6.68% | 8.09% | 8.38% | +94 bps | |
| Net Interest Margin | 2.23% | 2.23% | 2.53% | 2.60% | 2.63% | 2.59% | 2.74% | 2.77% | +17 bps | |
| Efficiency Ratio | 80.63% | 81.46% | 72.82% | 73.16% | 73.19% | 75.82% | 70.12% | 69.65% | -351 bps | |
| Non-Interest Burden | 1.67% | 1.69% | 1.67% | 1.73% | 1.75% | 1.81% | 1.74% | 1.73% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.22% | 2.48% | 3.43% | 3.66% | 5.60% | 6.83% | 5.87% | 4.61% | +95 bps | |
| Loan Growth (YoY) | 8.36% | 10.14% | 10.44% | 11.24% | 11.93% | 8.78% | 7.62% | 7.57% | -367 bps | |
| Deposit Growth (YoY) | 4.39% | 6.26% | 5.96% | 5.68% | 4.46% | 6.53% | 6.95% | 6.46% | +78 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.72% | 0.56% | 0.40% | 0.38% | 0.34% | 0.33% | 0.31% | 0.29% | -10 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.15% | -0.07% | -0.04% | -0.03% | 0.01% | -0.01% | -0.01% | +3 bps | |
| Allowance / Loans | 1.17% | 1.05% | 1.07% | 1.07% | 1.06% | 1.01% | 1.03% | 1.02% | -4 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.9x | 2.7x | 2.8x | 3.2x | 3.0x | 3.3x | 3.5x | +0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.32% | 11.14% | 11.33% | 11.50% | 11.53% | 11.33% | 11.41% | 11.48% | -2 bps | |
| Total Risk-Based Capital | 11.32% | 11.14% | 11.33% | 11.50% | 11.53% | 11.33% | 11.41% | 11.48% | -2 bps | |
| Equity / Assets | 9.11% | 8.68% | 9.08% | 9.26% | 9.38% | 9.48% | 9.65% | 9.87% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.52% | 91.47% | 91.54% | 92.62% | 96.99% | 93.40% | 92.11% | 93.58% | +97 bps | |
| Liquid Assets / Assets | 1.33% | 2.13% | 3.58% | 3.24% | 3.78% | 4.79% | 6.15% | 4.66% | +142 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 381% | 384% | 376% | n/a | n/a | |