PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

New Haven Bank

New Haven, CT · Cert 58952 · First City Fund Corp.

State charter, Fed member · FED · 2 branches

Q2 2026

$200.0MAssets
$168.8MLoans
$155.1MDeposits
$16.0MEquity
Loan mix
68%RE $114.3M23%C&I $39.6M9%Consumer $14.9MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $128.6M17%Noninterest $26.5MQ2 2025Q2 2026

NIM

4.91%Q2 ’245.15%Q2 ’255.35%Q2 ’26+7%+22%

Non-interest income vs. expense

3.09%Q2 ’242.93%Q2 ’252.91%Q2 ’26-8%+3%

Market Position · New Haven, CT · 2026 SOD (annual) · 0.8% share · #14 of 17 inst. · $0.2B of $20.4B

Executive Summary

  • Earnings: ROA of 0.23%, up 48 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.27% of loans (-5 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 8.23%, up 9 bps from a year ago.
  • Funding: loans stand at 108.83% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.23%+48 bps YoY

Net Interest Margin (quarter, annualized)

3.13%+56 bps YoY

Efficiency Ratio (quarter, annualized)

92.61%-1,671 bps YoY

Tier 1 Leverage Ratio

8.23%+9 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.25%0.16%0.42%0.12%0.23%+48 bps
Return on Equity-3.16%2.03%5.19%1.48%2.91%+607 bps
Net Interest Margin2.56%2.88%3.02%3.07%3.13%+56 bps
Efficiency Ratio109.33%94.55%85.00%96.15%92.61%-1,671 bps
Non-Interest Burden2.82%2.72%2.55%2.95%2.90%+8 bps
Growth
Asset Growth (YoY)1.47%-0.65%0.60%0.16%3.12%+164 bps
Loan Growth (YoY)0.33%-0.09%-0.62%0.78%1.56%+123 bps
Deposit Growth (YoY)6.48%5.77%5.87%5.76%5.13%-135 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.32%0.31%0.31%0.27%-5 bps
Net Charge-Offs / Loans0.15%-0.07%0.00%0.04%0.01%-14 bps
Allowance / Loans1.12%1.13%1.14%1.13%1.12%0 bps
Allowance Coverage of NPLs3.5x3.6x3.6x3.6x4.2x+0.7x
Capital
Tier 1 Leverage Ratio8.14%8.33%8.24%8.25%8.23%+9 bps
Total Risk-Based Capital11.72%11.81%11.76%11.84%11.94%+22 bps
Equity / Assets8.00%8.10%7.91%8.03%7.99%-1 bps
Liquidity & Funding
Loans / Deposits112.65%114.32%109.86%109.95%108.83%-382 bps
Liquid Assets / Assets6.52%6.24%7.79%6.58%4.98%-154 bps
CRE / Total Capitaln/a471%480%482%n/an/a