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Letter portraitLegal landscapeQuarterYTD

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 $0.0MQ2 2025Q2 2026
Deposit mix
58%Interest-bearing $259.7M42%Noninterest $186.1MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.60%0.51%0.16%0.26%-22 bps
Return on Equity3.80%4.67%3.93%1.20%1.88%-192 bps
Net Interest Margin4.20%4.34%4.29%4.06%4.18%-3 bps
Efficiency Ratio84.74%81.60%84.28%94.43%91.79%+704 bps
Non-Interest Burden3.52%3.49%3.58%3.81%3.80%+29 bps
Growth
Asset Growth (YoY)0.05%-4.12%-0.80%-8.92%-4.34%-439 bps
Loan Growth (YoY)-1.96%-4.38%-7.59%0.73%1.70%+365 bps
Deposit Growth (YoY)0.78%-5.66%-1.79%-11.35%-5.89%-667 bps
Asset Quality
Nonperforming Loans / Loans0.83%0.02%0.03%0.03%0.02%-80 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.08%1.15%1.16%1.08%1.07%-2 bps
Allowance Coverage of NPLs1.3x57.5x35.2x35.2x43.2x+41.9x
Capital
Tier 1 Leverage Ratio12.41%12.64%12.91%12.88%13.11%+70 bps
Total Risk-Based Capital12.41%12.64%12.91%12.88%13.11%+70 bps
Equity / Assets12.74%13.62%13.66%13.44%13.72%+98 bps
Liquidity & Funding
Loans / Deposits67.24%67.69%66.78%70.76%72.67%+542 bps
Liquid Assets / Assets38.45%38.68%39.90%36.07%34.43%-402 bps
CRE / Total Capitaln/a206%201%210%n/an/a