Winsted, CT · Cert 18229 · Connecticut Mutual Holding Co.
SI · FDIC · 14 branches
Q2 2026
Market Position · Hartford-West Hartford-East Hartford, CT · 2026 SOD (annual) · 0.6% share · #15 of 27 inst. · $0.4B of $58.8B
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 | 0.37% | 0.41% | 0.45% | 0.49% | 0.53% | +16 bps | |
| Return on Equity | 5.85% | 6.26% | 6.82% | 7.05% | 7.72% | +187 bps | |
| Net Interest Margin | 2.58% | 2.64% | 2.66% | 2.83% | 2.89% | +31 bps | |
| Efficiency Ratio | 84.99% | 83.93% | 82.60% | 80.98% | 79.54% | -545 bps | |
| Non-Interest Burden | 2.14% | 2.16% | 2.14% | 2.22% | 2.23% | +9 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.73% | 2.45% | 4.28% | 4.99% | 7.92% | +419 bps | |
| Loan Growth (YoY) | 5.54% | 7.55% | 6.94% | 7.79% | 10.22% | +468 bps | |
| Deposit Growth (YoY) | 3.07% | 2.58% | -1.47% | 2.70% | 4.15% | +108 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.53% | 0.56% | 0.50% | 0.57% | 0.60% | +7 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.01% | -0.01% | 0.01% | 0.00% | +3 bps | |
| Allowance / Loans | 1.01% | 0.99% | 0.92% | 0.93% | 0.91% | -11 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.8x | 1.8x | 1.6x | 1.5x | -0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.71% | 8.78% | 8.78% | 8.70% | 8.72% | +1 bps | |
| Total Risk-Based Capital | 13.86% | 13.64% | 13.42% | 13.27% | 13.11% | -75 bps | |
| Equity / Assets | 6.64% | 6.85% | 6.93% | 6.88% | 6.92% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.35% | 93.07% | 98.26% | 94.47% | 97.73% | +538 bps | |
| Liquid Assets / Assets | 0.58% | 0.52% | 0.42% | 1.83% | 1.09% | +51 bps | |
| CRE / Total Capital | n/a | 275% | 304% | 317% | n/a | n/a | |