Ion Bank
Naugatuck, CT · Cert 18198 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Ion Financial MHC Inc.
State charter, Fed member · FED · 36 branches
Q2 2026
$2.8BAssets
$2.0BLoans
$2.3BDeposits
$341.2MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 88% of banks $1B-$10B in assets operating regionally (rank 21 of 176).
- Widest gap: efficiency ratio trails 86% of banks $1B-$10B in assets operating regionally (rank 152 of 176).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.92%
Rank 134 of 176
Net Interest Margin
3.92%
Rank 45 of 176
Efficiency Ratio
74.28%
Rank 152 of 176
Equity / Assets
12.26%
Rank 35 of 176
Non-interest income vs. expense
Unfavorable gap of $72.8M · efficiency ratio beats 14% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.93% | 1.26% | 1.54% | Beats 24% | 134 / 176 | | |
| Return on Equity | 7.50% | 9.26% | 11.89% | 14.46% | Beats 14% | 152 / 176 | | |
| Net Interest Margin | 3.92% | 3.25% | 3.59% | 3.93% | Beats 74% | 45 / 176 | | |
| Efficiency Ratio | 74.28% | 52.79% | 59.55% | 67.66% | Beats 14% | 152 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.50% | 0.30% | 0.64% | 1.32% | Beats 16% | 148 / 176 | | |
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.04% | 0.10% | Beats 32% | 122 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 15.75% | 11.15% | 12.72% | 14.15% | Beats 88% | 21 / 176 | | |
| Total Risk-Based Capital Ratio | 16.82% | 11.81% | 13.63% | 15.33% | Beats 88% | 22 / 176 | | |
| Equity / Assets | 12.26% | 9.16% | 10.35% | 11.80% | Beats 80% | 35 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.30% | 80.94% | 89.73% | 97.21% | 44th pctl | 98 / 176 | | |
| Loans / Assets | 72.27% | 69.25% | 75.12% | 80.82% | 36th pctl | 112 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |