Norwich, CT · Cert 18200
SI · FDIC · 14 branches
Q2 2026
Market Position · Norwich-New London-Willimantic, CT · 2026 SOD (annual) · 11.9% share · #5 of 14 inst. · $0.8B of $6.7B
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 | 0.48% | 0.57% | 0.47% | 0.82% | 0.95% | +47 bps | |
| Return on Equity | 4.68% | 5.58% | 4.48% | 7.45% | 8.55% | +388 bps | |
| Net Interest Margin | 2.52% | 2.57% | 2.65% | 3.08% | 3.10% | +58 bps | |
| Efficiency Ratio | 80.34% | 79.10% | 76.36% | 64.30% | 67.02% | -1,331 bps | |
| Non-Interest Burden | 1.94% | 1.94% | 1.91% | 1.83% | 1.94% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.07% | 3.23% | 2.64% | 4.14% | 1.75% | -233 bps | |
| Loan Growth (YoY) | 6.95% | 12.32% | 15.54% | 14.12% | 10.72% | +376 bps | |
| Deposit Growth (YoY) | 3.56% | 2.60% | 2.35% | 4.07% | 3.12% | -44 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.31% | 0.38% | 0.26% | 0.11% | 0.20% | -11 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.10% | 0.62% | 0.32% | +32 bps | |
| Allowance / Loans | 0.97% | 0.99% | 1.05% | 0.94% | 0.96% | -1 bps | |
| Allowance Coverage of NPLs | 3.2x | 2.6x | 4.0x | 8.4x | 4.9x | +1.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.36% | 11.30% | 11.24% | 11.55% | 11.76% | +40 bps | |
| Total Risk-Based Capital | 16.09% | 15.81% | 16.14% | 15.85% | 16.14% | +6 bps | |
| Equity / Assets | 10.40% | 10.57% | 10.97% | 10.91% | 11.32% | +92 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.28% | 96.13% | 100.25% | 98.57% | 101.22% | +695 bps | |
| Liquid Assets / Assets | 1.29% | 1.76% | 1.53% | 3.15% | 1.60% | +31 bps | |
| CRE / Total Capital | n/a | 304% | 330% | 336% | n/a | n/a | |