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 (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 | 0.70% | 0.38% | 0.28% | 0.67% | 0.76% | 0.15% | 0.82% | 1.07% | +40 bps | |
| Return on Equity | 7.27% | 3.82% | 2.78% | 6.51% | 7.29% | 1.38% | 7.45% | 9.65% | +313 bps | |
| Net Interest Margin | 2.27% | 2.39% | 2.41% | 2.61% | 2.79% | 2.94% | 3.08% | 3.14% | +53 bps | |
| Efficiency Ratio | 83.95% | 79.10% | 79.58% | 81.05% | 76.90% | 69.30% | 64.30% | 69.70% | -1,135 bps | |
| Non-Interest Burden | 1.83% | 1.79% | 1.83% | 2.03% | 2.04% | 1.87% | 1.83% | 2.06% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.77% | -1.34% | 1.09% | 4.07% | 3.23% | 2.64% | 4.14% | 1.75% | -233 bps | |
| Loan Growth (YoY) | 2.13% | -0.75% | 1.20% | 6.95% | 12.32% | 15.54% | 14.12% | 10.72% | +376 bps | |
| Deposit Growth (YoY) | -1.66% | -1.52% | 1.10% | 3.56% | 2.60% | 2.35% | 4.07% | 3.12% | -44 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.34% | 0.34% | 0.31% | 0.38% | 0.26% | 0.11% | 0.20% | -11 bps | |
| Net Charge-Offs / Loans | -0.16% | -0.01% | 0.00% | 0.00% | 0.02% | 0.39% | 0.62% | 0.03% | +3 bps | |
| Allowance / Loans | 0.93% | 0.93% | 0.97% | 0.97% | 0.99% | 1.05% | 0.94% | 0.96% | -1 bps | |
| Allowance Coverage of NPLs | 7.9x | 2.7x | 2.8x | 3.2x | 2.6x | 4.0x | 8.4x | 4.9x | +1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.03% | 11.22% | 11.12% | 11.36% | 11.30% | 11.24% | 11.55% | 11.76% | +40 bps | |
| Total Risk-Based Capital | 17.15% | 17.13% | 16.43% | 16.09% | 15.81% | 16.14% | 15.85% | 16.14% | +6 bps | |
| Equity / Assets | 9.83% | 9.91% | 10.19% | 10.40% | 10.57% | 10.97% | 10.91% | 11.32% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.81% | 88.80% | 89.89% | 94.28% | 96.13% | 100.25% | 98.57% | 101.22% | +695 bps | |
| Liquid Assets / Assets | 4.47% | 3.66% | 2.97% | 1.29% | 1.76% | 1.53% | 3.15% | 1.60% | +31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 304% | 330% | 336% | n/a | n/a | |