Guilford, CT · Cert 18194 · Ascend Mutual Holding
SI · FDIC · 14 branches
Q2 2026
Market Position · New Haven, CT · 2026 SOD (annual) · 4.8% share · #9 of 17 inst. · $1.0B of $20.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.06% | 0.23% | 0.54% | 0.01%1 | 1.12% | 0.87% | 1.19% | +66 bps | |
| Return on Equity | 3.77% | 0.64% | 2.32% | 5.30% | 0.07% | 11.39% | 8.78% | 11.86% | +656 bps | |
| Net Interest Margin | 2.25% | 2.43% | 2.48% | 2.69% | 3.04% | 3.23% | 3.18% | 3.21% | +52 bps | |
| Efficiency Ratio | 91.37% | 88.63% | 86.73% | 80.61% | 94.29% | 64.62% | 69.27% | 65.72% | -1,489 bps | |
| Non-Interest Burden | 2.01% | 2.09% | 2.07% | 2.05% | 2.88% | 1.88% | 2.07% | 1.94% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.55% | 3.79% | 7.20% | 5.31% | 24.59% | 25.21% | 23.93% | 26.35% | +2,104 bps | |
| Loan Growth (YoY) | 9.08% | 5.95% | 6.66% | 7.10% | 31.02% | 32.49% | 28.99% | 30.00% | +2,290 bps | |
| Deposit Growth (YoY) | 12.62% | 8.37% | 9.80% | 6.24% | 26.51% | 26.13% | 24.59% | 26.09% | +1,985 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.24% | 0.15% | 0.18% | 0.30% | 0.36% | 0.41% | 0.50% | +32 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.07% | 0.00% | 0.82% | -0.60% | 0.12% | 0.00% | 0 bps | |
| Allowance / Loans | 0.59% | 0.63% | 0.62% | 0.62% | 0.63% | 0.76% | 0.74% | 0.76% | +15 bps | |
| Allowance Coverage of NPLs | 2.7x | 2.6x | 4.1x | 3.4x | 2.1x | 2.1x | 1.8x | 1.5x | -1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.09% | 10.91% | 10.79% | 10.91% | 9.37% | 9.35% | 9.58% | 9.65% | -126 bps | |
| Total Risk-Based Capital | 11.09% | 10.91% | 10.79% | 10.91% | 9.37% | 9.35% | 9.58% | 9.65% | -126 bps | |
| Equity / Assets | 10.27% | 10.14% | 10.05% | 10.30% | 9.82% | 9.84% | 9.94% | 10.11% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.51% | 84.33% | 83.84% | 85.50% | 87.52% | 88.59% | 86.80% | 88.15% | +265 bps | |
| Liquid Assets / Assets | 2.50% | 3.43% | 3.56% | 1.49% | 1.75% | 1.55% | 3.63% | 2.46% | +97 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 325% | 340% | 328% | n/a | n/a | |