Ascend Bank
Guilford, CT · Cert 18194 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Ascend Mutual Holding
SI · FDIC · 14 branches
Q2 2026
$1.5BAssets
$1.2BLoans
$1.3BDeposits
$151.2MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 47% of banks $1B-$10B in assets operating in a single state (rank 138 of 258).
- Widest gap: total risk-based capital ratio trails 97% of banks $1B-$10B in assets operating in a single state (rank 249 of 258).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
1.02%
Rank 173 of 258
Net Interest Margin
3.16%
Rank 193 of 258
Efficiency Ratio
69.40%
Rank 192 of 257
Equity / Assets
10.11%
Rank 138 of 258
Non-interest income vs. expense
Unfavorable gap of $29.8M · efficiency ratio beats 26% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.93% | 1.23% | 1.54% | Beats 33% | 173 / 258 | | |
| Return on Equity | 10.08% | 9.26% | 11.84% | 14.74% | Beats 35% | 168 / 258 | | |
| Net Interest Margin | 3.16% | 3.16% | 3.49% | 3.88% | Beats 25% | 193 / 258 | | |
| Efficiency Ratio | 69.40% | 51.71% | 60.30% | 69.65% | Beats 26% | 192 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.19% | 0.46% | 0.90% | Beats 45% | 144 / 258 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.02% | 0.07% | Beats 43% | 147 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 9.65% | 11.41% | 12.98% | 15.12% | Beats 3% | 249 / 258 | | |
| Total Risk-Based Capital Ratio | 9.65% | 12.10% | 13.91% | 16.08% | Beats 3% | 249 / 258 | | |
| Equity / Assets | 10.11% | 9.09% | 10.24% | 11.72% | Beats 47% | 138 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.15% | 73.24% | 86.34% | 95.95% | 57th pctl | 112 / 258 | | |
| Loans / Assets | 77.74% | 63.01% | 72.27% | 78.40% | 70th pctl | 77 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |