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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.37% | 1.57% | 1.67% | 2.02% | 2.49% | +112 bps | |
| Return on Equity | 15.63% | 17.51% | 18.45% | 21.31% | 26.11% | +1,048 bps | |
| Net Interest Margin | 4.30% | 4.46% | 4.53% | 4.94% | 4.95% | +65 bps | |
| Efficiency Ratio | 64.42% | 61.34% | 58.68% | 53.82% | 50.60% | -1,382 bps | |
| Non-Interest Burden | 2.48% | 2.36% | 2.23% | 1.88% | 1.52% | -95 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.04% | 10.98% | 21.21% | 20.94% | 25.83% | +1,379 bps | |
| Loan Growth (YoY) | 12.35% | 15.06% | 19.23% | 21.66% | 23.50% | +1,115 bps | |
| Deposit Growth (YoY) | 13.75% | 9.32% | 23.39% | 21.16% | 26.30% | +1,255 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.09% | 0.05% | 0.06% | 0.17% | 0.14% | +5 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.18% | 0.16% | 0.38% | 0.30% | +15 bps | |
| Allowance / Loans | 0.74% | 0.67% | 0.78% | 0.76% | 0.69% | -5 bps | |
| Allowance Coverage of NPLs | 8.1x | 13.4x | 13.1x | 4.4x | 5.0x | -3.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.23% | 10.22% | 10.22% | 10.19% | 10.28% | +105 bps | |
| Total Risk-Based Capital | 9.23% | 10.22% | 10.22% | 10.19% | 10.28% | +105 bps | |
| Equity / Assets | 8.97% | 9.49% | 9.33% | 9.58% | 9.64% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 101.84% | 104.04% | 99.41% | 100.84% | 99.59% | -225 bps | |
| Liquid Assets / Assets | 3.61% | 3.58% | 6.19% | 5.14% | 7.56% | +395 bps | |
| CRE / Total Capital | n/a | 180.57% | 175.09% | 166.50% | n/a | n/a | |