Newtown, CT · Cert 18199 · NSB Mutual Holding Co.
SI · FDIC · 19 branches
Q2 2026
Market Position · Bridgeport-Stamford-Danbury, CT · 2026 SOD (annual) · 1.4% share · #14 of 25 inst. · $1.1B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.80% | 0.85% | 0.73% | 0.75% | +2 bps | |
| Return on Equity | 9.06% | 9.88% | 10.41% | 8.51% | 8.63% | -43 bps | |
| Net Interest Margin | 3.06% | 3.01% | 3.04% | 3.07% | 3.19% | +13 bps | |
| Efficiency Ratio | 72.47% | 70.43% | 68.77% | 73.60% | 72.16% | -31 bps | |
| Non-Interest Burden | 2.05% | 1.93% | 1.88% | 2.11% | 2.13% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.13% | 1.27% | 3.49% | 5.01% | 2.19% | -93 bps | |
| Loan Growth (YoY) | 10.52% | 7.80% | 2.67% | 2.79% | 1.66% | -885 bps | |
| Deposit Growth (YoY) | 2.98% | 2.80% | 5.49% | 5.97% | 5.55% | +257 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.43% | 0.39% | 0.52% | 0.47% | 0.37% | -7 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.05% | 0.02% | 0.01% | -2 bps | |
| Allowance / Loans | 1.15% | 1.18% | 1.23% | 1.23% | 1.26% | +11 bps | |
| Allowance Coverage of NPLs | 2.7x | 3.0x | 2.4x | 2.6x | 3.4x | +0.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.84% | 8.76% | 9.01% | 9.11% | 9.48% | +64 bps | |
| Total Risk-Based Capital | 14.92% | 15.21% | 15.55% | 16.26% | 15.89% | +97 bps | |
| Equity / Assets | 8.20% | 8.24% | 8.58% | 8.48% | 8.92% | +73 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 101.06% | 93.40% | 93.78% | 91.36% | 97.34% | -372 bps | |
| Liquid Assets / Assets | 2.34% | 5.93% | 5.44% | 7.80% | 3.61% | +127 bps | |
| CRE / Total Capital | n/a | 188.04% | 189.52% | 189.22% | n/a | n/a | |