Norwalk, CT · Cert 34876 · Associated Community Bcorp Inc.
National charter · OCC · 10 branches
Q2 2026
Market Position · Bridgeport-Stamford-Danbury, CT · 2026 SOD (annual) · 0.4% share · #19 of 25 inst. · $0.3B of $77.9B
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 | 0.82% | 0.74% | 0.47% | 0.47% | 0.84% | 0.24% | 0.16% | 0.35% | -13 bps | |
| Return on Equity | 6.42% | 5.83% | 3.75% | 3.85% | 6.38% | 1.74% | 1.20% | 2.56% | -129 bps | |
| Net Interest Margin | 4.50% | 4.18% | 4.09% | 4.21% | 4.58% | 4.14% | 4.06% | 4.25% | +4 bps | |
| Efficiency Ratio | 75.73% | 86.44% | 84.93% | 84.56% | 75.82% | 92.67% | 94.43% | 89.23% | +467 bps | |
| Non-Interest Burden | 3.35% | 3.57% | 3.43% | 3.51% | 3.42% | 3.81% | 3.81% | 3.75% | +24 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 / Loans | 0.90% | 0.87% | 0.88% | 0.83% | 0.02% | 0.03% | 0.03% | 0.02% | -80 bps | |
| Net Charge-Offs / Loans | -0.07% | -0.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.15% | 1.07% | 1.08% | 1.08% | 1.15% | 1.16% | 1.08% | 1.07% | -2 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.2x | 1.2x | 1.3x | 57.5x | 35.2x | 35.2x | 43.2x | +41.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.65% | 11.86% | 11.95% | 12.41% | 12.64% | 12.91% | 12.88% | 13.11% | +70 bps | |
| Total Risk-Based Capital | 11.65% | 11.86% | 11.95% | 12.41% | 12.64% | 12.91% | 12.88% | 13.11% | +70 bps | |
| Equity / Assets | 12.42% | 13.03% | 11.85% | 12.74% | 13.62% | 13.66% | 13.44% | 13.72% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.78% | 70.97% | 62.27% | 67.24% | 67.69% | 66.78% | 70.76% | 72.67% | +542 bps | |
| Liquid Assets / Assets | 38.64% | 35.70% | 42.12% | 38.45% | 38.68% | 39.90% | 36.07% | 34.43% | -402 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 206% | 201% | 210% | n/a | n/a | |