Dr Bank
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
$912.6MAssets
$751.4MLoans
$754.5MDeposits
$88.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 96% of banks under $1B in assets (rank 23 of 617).
- Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets (rank 551 of 570).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
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 | 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 |