Jewett City, CT · Cert 18237
SI · FDIC · 7 branches
Q2 2026
Market Position · Norwich-New London-Willimantic, CT · 2026 SOD (annual) · 2.7% share · #9 of 14 inst. · $0.2B 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 | 0.42%1 | 1.14% | 0.78% | 0.87% | 1.38% | 1.29% | 0.64% | 0.01%1 | -86 bps | |
| Return on Equity | 2.97% | 7.98% | 5.46% | 6.11% | 9.74% | 9.08% | 4.47% | 0.08% | -603 bps | |
| Net Interest Margin | 3.86% | 4.23% | 4.04% | 4.17% | 4.26% | 4.38% | 4.06% | 4.40% | +23 bps | |
| Efficiency Ratio | 71.96% | 69.42% | 72.13% | 70.04% | 68.37% | 73.72% | 79.85% | 71.98% | +194 bps | |
| Non-Interest Burden | 2.56% | 2.70% | 2.73% | 2.72% | 2.68% | 3.05% | 3.11% | 2.97% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.98% | 5.50% | 6.18% | 7.44% | 9.70% | 9.39% | 8.49% | 6.82% | -62 bps | |
| Loan Growth (YoY) | 9.72% | 9.36% | 5.47% | 7.22% | 10.96% | 8.37% | 7.81% | 7.66% | +43 bps | |
| Deposit Growth (YoY) | 6.36% | 3.87% | 5.53% | 8.42% | 7.53% | 8.32% | 6.06% | 5.86% | -256 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.49% | 0.24% | 0.04% | 0.56% | 1.46% | 1.29% | 1.81% | 1.01% | +46 bps | |
| Net Charge-Offs / Loans | 0.99% | -0.12% | 0.16% | 0.06% | 0.01% | 0.00% | 0.00% | 1.76% | +170 bps | |
| Allowance / Loans | 0.75% | 0.80% | 0.84% | 0.90% | 0.86% | 0.84% | 0.89% | 0.97% | +7 bps | |
| Allowance Coverage of NPLs | 1.5x | 3.3x | 21.7x | 1.6x | 0.6x | 0.6x | 0.5x | 1.0x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.40% | 14.45% | 14.52% | 14.49% | 14.30% | 13.99% | 14.16% | 14.41% | -8 bps | |
| Total Risk-Based Capital | 19.09% | 19.13% | 19.29% | 18.87% | 18.54% | 18.62% | 18.93% | 18.47% | -40 bps | |
| Equity / Assets | 14.35% | 14.29% | 14.41% | 14.16% | 14.10% | 14.19% | 14.34% | 14.07% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.82% | 100.11% | 98.76% | 99.77% | 101.97% | 100.15% | 100.39% | 101.46% | +169 bps | |
| Liquid Assets / Assets | 5.65% | 6.18% | 6.67% | 6.38% | 6.49% | 7.28% | 7.42% | 6.13% | -25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 294% | 293% | 292% | n/a | n/a | |