BlastPoint's Banking Scorecard
Ives Bank
Designations: ✓ Community bank
Danbury, CT
16 branches across CT
Ives Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 8.3% in tier
- - Loan-to-Deposit Ratio 18.93% above tier average
- - ROA 0.36% below tier average
- - Net Interest Margin 0.38% below tier average
- - Efficiency Ratio 0.67% above tier average
- - Delinquency Rate 0.55% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+3.7% YoY
+0.8% QoQ
|
-$1.1B |
$2.8B
-0.1% YoY
|
$4.6B
+6.9% YoY
|
$6.2B
+9.1% YoY
|
42% |
| Total Loans ? |
$1.4B
+3.2% YoY
+0.9% QoQ
|
-$569.2M |
$2.0B
+0.6% YoY
|
$3.2B
+8.3% YoY
|
$3.2B
+10.8% YoY
|
50% |
| Total Deposits ? |
$1.4B
+7.1% YoY
+0.1% QoQ
|
-$990.0M |
$2.3B
-0.3% YoY
|
$3.7B
+5.9% YoY
|
$4.8B
+8.2% YoY
|
39% |
| Return on Assets ? |
1.01%
+26.3% YoY
+2.8% QoQ
|
-0.36% |
1.37%
+19.6% YoY
|
0.98%
+59.4% YoY
|
1.23%
+13.4% YoY
|
33% |
| Net Interest Margin ? |
3.44%
+11.9% YoY
+5.5% QoQ
|
-0.38% |
3.82%
+6.9% YoY
|
3.30%
+11.1% YoY
|
3.89%
+5.7% YoY
|
37% |
| Efficiency Ratio ? |
61.73%
-8.7% YoY
-4.8% QoQ
|
+0.67% |
61.06%
-4.6% YoY
|
74.04%
-0.3% YoY
|
66.95%
-4.1% YoY
|
43% |
| Delinquency Rate ? |
1.43%
-17.4% YoY
-2.5% QoQ
|
+0.55% |
0.89%
+14.1% YoY
|
0.76%
+15.1% YoY
|
0.95%
+18.8% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
103.13%
-3.7% YoY
+0.9% QoQ
|
+18.93% |
84.20%
+0.3% YoY
|
87.65%
+0.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 8.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.62%
-68.6% YoY
-67.7% QoQ
|
-11.67% |
21.29%
-2.5% YoY
|
20.48%
-2.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 10.9% in tier |
| Nonperforming Asset Ratio ? |
1.18%
-17.9% YoY
-2.4% QoQ
|
+0.51% |
0.67%
+15.6% YoY
|
0.54%
+14.2% YoY
|
0.67%
+19.3% YoY
|
16% |
| Tier 1 Capital Ratio ? |
13.84%
+5.3% YoY
+1.7% QoQ
|
-1.32% |
15.16%
+2.0% YoY
|
15.66%
+1.9% YoY
|
17.06%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.11%
+1.6% YoY
-75.9% QoQ
|
-0.15% |
0.26%
+1.6% YoY
|
0.74%
+3.6% YoY
|
0.32%
+4.1% YoY
|
34% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.