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 (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 | 0.46% | 1.82% | 0.95% | 1.77% | 1.96% | 1.95% | 2.02% | 2.95% | +118 bps | |
| Return on Equity | 5.61% | 22.11% | 11.02% | 20.06% | 21.25% | 20.71% | 21.31% | 30.71% | +1,065 bps | |
| Net Interest Margin | 3.37% | 3.74% | 4.09% | 4.63% | 4.94% | 5.40% | 4.94% | 5.24% | +60 bps | |
| Efficiency Ratio | 79.99% | 53.48% | 73.06% | 57.26% | 56.38% | 52.61% | 53.82% | 47.97% | -929 bps | |
| Non-Interest Burden | 2.61% | 1.05% | 2.80% | 2.24% | 2.21% | 2.18% | 1.88% | 1.27% | -97 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% | 0.03% | 0.11% | 0.21% | 0.25% | 0.13% | 0.38% | 0.23% | +3 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 | |