Dr Bank
Darien, CT · Cert 58257 · Peer group: banks under $1B in assets (n=573-620) · Alcar Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$912.6MAssets
$751.4MLoans
$754.5MDeposits
$88.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 96% of banks under $1B in assets (rank 24 of 620).
- Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets (rank 552 of 573).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
2.37%
Rank 54 of 620
Net Interest Margin
4.95%
Rank 27 of 620
Efficiency Ratio
50.60%
Rank 73 of 620
Equity / Assets
9.64%
Rank 393 of 620
Non-interest income vs. expense
Unfavorable gap of $13.2M · efficiency ratio beats 88% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.37% | 0.60% | 1.00% | 1.45% | Beats 91% | 54 / 620 | |
| Return on Equity | 24.60% | 5.30% | 9.30% | 13.29% | Beats 96% | 24 / 620 | |
| Net Interest Margin | 4.95% | 3.02% | 3.53% | 4.04% | Beats 96% | 27 / 620 | |
| Efficiency Ratio | 50.60% | 58.35% | 68.08% | 79.37% | Beats 88% | 73 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.09% | 0.47% | 1.27% | Beats 71% | 168 / 573 | |
| Net Charge-Offs / Loans | 0.45% | n/a | 0.01% | 0.06% | Beats 4% | 552 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 10.28% | 11.27% | 13.87% | 18.78% | Beats 14% | 531 / 620 | |
| Total Risk-Based Capital Ratio | 10.28% | 11.69% | 14.57% | 19.67% | Beats 13% | 540 / 620 | |
| Equity / Assets | 9.64% | 9.03% | 10.60% | 13.73% | Beats 37% | 393 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 99.59% | 65.08% | 79.69% | 92.47% | 86th pctl | 83 / 585 | |
| Loans / Assets | 82.33% | 51.85% | 67.17% | 77.86% | 87th pctl | 78 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |