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 (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 | 0.25% | 0.28% | 0.25% | 0.50% | 0.48% | 0.58% | 0.49% | 0.58% | +8 bps | |
| Return on Equity | 3.97% | 4.33% | 3.93% | 7.67% | 7.04% | 8.37% | 7.05% | 8.39% | +71 bps | |
| Net Interest Margin | 2.20% | 2.39% | 2.48% | 2.67% | 2.78% | 2.87% | 2.83% | 2.99% | +32 bps | |
| Efficiency Ratio | 89.40% | 87.44% | 90.08% | 80.40% | 81.95% | 79.05% | 80.98% | 78.17% | -223 bps | |
| Non-Interest Burden | 1.91% | 2.05% | 2.21% | 2.06% | 2.22% | 2.17% | 2.22% | 2.27% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.13% | 5.27% | 3.46% | 3.73% | 2.45% | 4.28% | 4.99% | 7.92% | +419 bps | |
| Loan Growth (YoY) | 5.65% | 7.14% | 6.94% | 5.54% | 7.55% | 6.94% | 7.79% | 10.22% | +468 bps | |
| Deposit Growth (YoY) | 4.09% | 6.41% | 3.50% | 3.07% | 2.58% | -1.47% | 2.70% | 4.15% | +108 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.69% | 0.54% | 0.60% | 0.53% | 0.56% | 0.50% | 0.57% | 0.60% | +7 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.12% | 0.00% | -0.05% | 0.01% | -0.01% | 0.01% | 0.00% | +5 bps | |
| Allowance / Loans | 1.09% | 1.01% | 1.02% | 1.01% | 0.99% | 0.92% | 0.93% | 0.91% | -11 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.9x | 1.7x | 1.9x | 1.8x | 1.8x | 1.6x | 1.5x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.63% | 8.64% | 8.55% | 8.71% | 8.78% | 8.78% | 8.70% | 8.72% | +1 bps | |
| Total Risk-Based Capital | 14.11% | 13.89% | 13.82% | 13.86% | 13.64% | 13.42% | 13.27% | 13.11% | -75 bps | |
| Equity / Assets | 6.60% | 6.13% | 6.35% | 6.64% | 6.85% | 6.93% | 6.88% | 6.92% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.76% | 90.53% | 90.01% | 92.35% | 93.07% | 98.26% | 94.47% | 97.73% | +538 bps | |
| Liquid Assets / Assets | 2.37% | 1.61% | 2.33% | 0.58% | 0.52% | 0.42% | 1.83% | 1.09% | +51 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 275% | 304% | 317% | n/a | n/a | |