Darien, CT · Cert 58257 · Alcar Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets (n=570 to 617). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
22
Asset Quality
38
Profitability
94
Liquidity
13
Efficiency
88
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.
Darien, CT · Cert 58257 · Alcar Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Bridgeport-Stamford-Danbury, CT · 2026 SOD (annual) · 1.0% share · #15 of 25 inst. · $0.8B of $77.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | 0.47% | 0.95% | 1.37% | 1.57% | 1.67% | 2.02% | 2.49% | +112 bps | |
| Return on Equity | -0.26% | 5.51% | 11.02% | 15.63% | 17.51% | 18.45% | 21.31% | 26.11% | +1,048 bps | |
| Net Interest Margin | 2.92% | 3.17% | 4.09% | 4.30% | 4.46% | 4.53% | 4.94% | 4.95% | +65 bps | |
| Efficiency Ratio | 94.45% | 79.01% | 73.06% | 64.42% | 61.34% | 58.68% | 53.82% | 50.60% | -1,382 bps | |
| Non-Interest Burden | 2.75% | 2.36% | 2.80% | 2.48% | 2.36% | 2.23% | 1.88% | 1.52% | -95 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.71% | 12.32% | 15.28% | 12.04% | 10.98% | 21.21% | 20.94% | 25.83% | +1,379 bps | |
| Loan Growth (YoY) | 26.57% | 16.58% | 14.91% | 12.35% | 15.06% | 19.23% | 21.66% | 23.50% | +1,115 bps | |
| Deposit Growth (YoY) | 33.40% | 13.39% | 17.05% | 13.75% | 9.32% | 23.39% | 21.16% | 26.30% | +1,255 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.07% | 0.09% | 0.05% | 0.06% | 0.17% | 0.14% | +5 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.14% | 0.11% | 0.15% | 0.18% | 0.16% | 0.38% | 0.30% | +15 bps | |
| Allowance / Loans | 0.66% | 0.78% | 0.76% | 0.74% | 0.67% | 0.78% | 0.76% | 0.69% | -5 bps | |
| Allowance Coverage of NPLs | 24.5x | 29.7x | 10.3x | 8.1x | 13.4x | 13.1x | 4.4x | 5.0x | -3.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.35% | 9.03% | 9.05% | 9.23% | 10.22% | 10.22% | 10.19% | 10.28% | +105 bps | |
| Total Risk-Based Capital | 8.35% | 9.03% | 9.05% | 9.23% | 10.22% | 10.22% | 10.19% | 10.28% | +105 bps | |
| Equity / Assets | 7.90% | 8.55% | 8.68% | 8.97% | 9.49% | 9.33% | 9.58% | 9.64% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.85% | 102.88% | 100.43% | 101.84% | 104.04% | 99.41% | 100.84% | 99.59% | -225 bps | |
| Liquid Assets / Assets | 2.96% | 2.97% | 4.11% | 3.61% | 3.58% | 6.19% | 5.14% | 7.56% | +395 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 180.57% | 175.09% | 166.50% | n/a | n/a | |
Darien, CT · Cert 58257 · Peer group: banks under $1B in assets (n=570-617) · Alcar Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
2.37%
Rank 53 of 617
Net Interest Margin
4.95%
Rank 27 of 617
Efficiency Ratio
50.60%
Rank 73 of 617
Equity / Assets
9.64%
Rank 391 of 617
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.37% | 0.60% | 1.01% | 1.45% | Beats 91% | 53 / 617 | ||
| Return on Equity | 24.60% | 5.30% | 9.43% | 13.30% | Beats 96% | 23 / 617 | ||
| Net Interest Margin | 4.95% | 3.04% | 3.54% | 4.05% | Beats 96% | 27 / 617 | ||
| Efficiency Ratio | 50.60% | 58.03% | 67.76% | 79.08% | Beats 88% | 73 / 617 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.14% | 0.09% | 0.47% | 1.27% | Beats 71% | 167 / 570 | ||
| Net Charge-Offs / Loans | 0.45% | n/a | 0.01% | 0.06% | Beats 4% | 551 / 570 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.28% | 11.18% | 13.83% | 18.55% | Beats 15% | 527 / 617 | ||
| Total Risk-Based Capital Ratio | 10.28% | 11.56% | 14.39% | 19.39% | Beats 13% | 536 / 617 | ||
| Equity / Assets | 9.64% | 9.03% | 10.55% | 13.63% | Beats 37% | 391 / 617 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.59% | 64.77% | 79.70% | 93.06% | 86th pctl | 82 / 582 | ||
| Loans / Assets | 82.33% | 51.70% | 67.18% | 77.51% | 87th pctl | 81 / 617 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||