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Connecticut Community Bank, National Association

Norwalk, CT · Cert 34876 · Associated Community Bcorp Inc.

National charter · OCC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

53

Q2 2024Q2 2026peer median (50)

Asset Quality

91

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

7

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Connecticut Community Bank, National Association

Norwalk, CT · Cert 34876 · Associated Community Bcorp Inc.

National charter · OCC · 10 branches

Q2 2026

$526.0MAssets
$324.0MLoans
$445.8MDeposits
$72.2MEquity
Loan mix
47%RE $150.5M53%C&I $170.4M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
58%Interest-bearing $259.7M42%Noninterest $186.1MQ3 2024Q2 2026

Market Position · Bridgeport-Stamford-Danbury, CT · 2026 SOD (annual) · 0.4% share · #19 of 25 inst. · $0.3B of $77.9B

0.4% Western Connecticut
0.2% Capitol
0.4% Greater Bridgeport

Executive Summary

  • Earnings: ROA of 0.26%, down 22 bps year over year; NIM at 4.18%.
  • Asset quality: problem loans at 0.02% of loans (-80 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.11%, up 70 bps from a year ago.
  • Funding: loans stand at 72.67% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.26%-22 bps YoY

Net Interest Margin (YTD, annualized)

4.18%-3 bps YoY

Efficiency Ratio (YTD, annualized)

91.79%+704 bps YoY

Tier 1 Leverage Ratio

13.11%+70 bps YoY

NIM

5.45%Q2 ’245.30%Q2 ’255.15%Q2 ’26-4%-1%

Non-interest income vs. expense

3.49%Q2 ’243.66%Q2 ’253.95%Q2 ’26+5%+8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.77%0.47%0.48%0.60%0.51%0.16%0.26%-22 bps
Return on Equity6.00%5.94%3.75%3.80%4.67%3.93%1.20%1.88%-192 bps
Net Interest Margin4.48%4.35%4.09%4.20%4.34%4.29%4.06%4.18%-3 bps
Efficiency Ratio77.06%79.32%84.93%84.74%81.60%84.28%94.43%91.79%+704 bps
Non-Interest Burden3.39%3.40%3.43%3.52%3.49%3.58%3.81%3.80%+29 bps
Growth
Asset Growth (YoY)1.31%-3.60%5.41%0.05%-4.12%-0.80%-8.92%-4.34%-439 bps
Loan Growth (YoY)-0.38%1.21%-2.16%-1.96%-4.38%-7.59%0.73%1.70%+365 bps
Deposit Growth (YoY)2.34%-3.42%7.19%0.78%-5.66%-1.79%-11.35%-5.89%-667 bps
Asset Quality
Nonperforming Loans / Loans0.90%0.87%0.88%0.83%0.02%0.03%0.03%0.02%-80 bps
Net Charge-Offs / Loans-0.06%-0.06%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.15%1.07%1.08%1.08%1.15%1.16%1.08%1.07%-2 bps
Allowance Coverage of NPLs1.3x1.2x1.2x1.3x57.5x35.2x35.2x43.2x+41.9x
Capital
Tier 1 Leverage Ratio11.65%11.86%11.95%12.41%12.64%12.91%12.88%13.11%+70 bps
Total Risk-Based Capital11.65%11.86%11.95%12.41%12.64%12.91%12.88%13.11%+70 bps
Equity / Assets12.42%13.03%11.85%12.74%13.62%13.66%13.44%13.72%+98 bps
Liquidity & Funding
Loans / Deposits66.78%70.97%62.27%67.24%67.69%66.78%70.76%72.67%+542 bps
Liquid Assets / Assets38.64%35.70%42.12%38.45%38.68%39.90%36.07%34.43%-402 bps
CRE / Total Capitaln/an/an/an/a206%201%210%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Connecticut Community Bank, National Association

Norwalk, CT · Cert 34876 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Associated Community Bcorp Inc.

National charter · OCC · 10 branches

Q2 2026

$526.0MAssets
$324.0MLoans
$445.8MDeposits
$72.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: efficiency ratio trails 93% of banks under $1B in assets operating in a single state (rank 695 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.26%

Rank 682 of 746

Net Interest Margin

4.18%

Rank 178 of 746

Efficiency Ratio

91.79%

Rank 695 of 746

Equity / Assets

13.72%

Rank 157 of 746

Non-interest income vs. expense

$0.8M$21.0MINCOMEEXPENSE
Unfavorable gap of $20.3M · efficiency ratio beats 7% of banks under $1B in assets operating in a single state
Bank 91.79%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.26%0.72%1.06%1.45%Beats 9%682 / 746
Return on Equity1.87%6.74%10.51%13.63%Beats 8%686 / 746
Net Interest Margin4.18%3.17%3.68%4.16%Beats 76%178 / 746
Efficiency Ratio91.79%55.74%64.58%75.47%Beats 7%695 / 746
Asset Quality
Nonperforming Loans / Loans0.02%0.09%0.42%1.07%Beats 81%143 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio13.11%11.55%13.75%17.60%Beats 43%423 / 746
Total Risk-Based Capital Ratio13.11%11.71%14.33%18.43%Beats 38%460 / 746
Equity / Assets13.72%8.90%10.51%13.06%Beats 79%157 / 746
Liquidity & Funding
Loans / Deposits72.67%61.31%78.27%90.78%40th pctl451 / 746
Loans / Assets61.59%53.60%66.97%76.08%39th pctl456 / 746
Brokered Deposits / Depositsn/aNot reported for this institution