BlastPoint's Banking Scorecard
Ives Bank
Designations: ✓ Community bank
Danbury, CT
16 branches across CT
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 15 in CT.
- Deposits +7.5% year over year ($1.4B on the books).
- Delinquency rate 1.43%.
- Return on assets 1.08%.
- Efficiency ratio 62.55% vs a 59.73% peer average.
- Loan-to-deposit ratio 103.97% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Ives Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 18.94% above tier average
- - ROA 0.31% below tier average
- - Net Interest Margin 0.41% below tier average
- - Efficiency Ratio 2.82% above tier average
- - Delinquency Rate 0.56% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+4.9% YoY
+2.3% QoQ
|
-$1.1B |
$2.8B
-0.6% YoY
|
$4.8B
+5.5% YoY
|
$6.3B
+7.7% YoY
|
44% |
| Total Loans ? |
$1.4B
+4.6% YoY
+2.0% QoQ
|
-$539.0M |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
51% |
| Total Deposits ? |
$1.4B
+7.5% YoY
+1.2% QoQ
|
-$949.1M |
$2.3B
-0.5% YoY
|
$3.9B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
40% |
| Return on Assets ? |
1.08%
+18.4% YoY
+7.3% QoQ
|
-0.31% |
1.39%
+17.0% YoY
|
1.11%
+57.7% YoY
|
1.30%
+12.1% YoY
|
35% |
| Net Interest Margin ? |
3.46%
+9.6% YoY
+0.6% QoQ
|
-0.41% |
3.87%
+6.2% YoY
|
3.44%
+11.6% YoY
|
3.95%
+4.9% YoY
|
35% |
| Efficiency Ratio ? |
62.55%
-5.8% YoY
+1.3% QoQ
|
+2.82% |
59.73%
-12.6% YoY
|
72.27%
-70.9% YoY
|
70.05%
+2.5% YoY
|
39% |
| Delinquency Rate ? |
1.43%
-17.2% YoY
-0.3% QoQ
|
+0.56% |
0.87%
+11.7% YoY
|
0.70%
-4.9% YoY
|
0.98%
+16.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
103.97%
-2.7% YoY
+0.8% QoQ
|
+18.94% |
85.04%
-0.1% YoY
|
91.71%
+1.4% YoY
|
79.03%
+2.3% YoY
|
Bottom 8.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.64%
+53.2% YoY
+145.7% QoQ
|
+2.37% |
21.27%
-1.5% YoY
|
22.06%
+1.6% YoY
|
21.98%
-0.6% YoY
|
67% |
| Nonperforming Asset Ratio ? |
1.17%
-17.4% YoY
-0.6% QoQ
|
+0.50% |
0.67%
+11.7% YoY
|
0.53%
-3.6% YoY
|
0.69%
+15.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
13.87%
+3.8% YoY
+0.2% QoQ
|
-0.97% |
14.84%
-0.4% YoY
|
14.05%
-0.0% YoY
|
17.09%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.21%
-3.2% YoY
+97.5% QoQ
|
-0.32% |
0.53%
+2.5% YoY
|
0.35%
+5.1% YoY
|
0.66%
+5.2% YoY
|
32% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.6%
+8.2pp YoY +14.0pp QoQ |
+2.3pp | 21.4% | 22.1% | 22.2% | 66% |
| Brokered Deposits |
10.1%
+0.7pp YoY -0.2pp QoQ |
+0.7pp | 9.5% | 8.1% | 8.5% | 69% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.5%
-0.5pp YoY -0.1pp QoQ |
-8.5pp | 14.0% | 11.4% | 12.5% | 21% |
| CRE |
35.1%
+2.4pp YoY +0.5pp QoQ |
-14.9pp | 50.0% | 42.4% | 41.4% | 15% |
| 1-4 Family |
60.2%
-1.7pp YoY -0.3pp QoQ |
+33.8pp | 26.4% | 42.2% | 31.3% | 95% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 4.1% | 5.0% | 8% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 15.0% | 19.7% | n/a |
| Leverage Ratio |
13.9%
+0.5pp YoY 0.0pp QoQ |
+2.6pp | 11.3% | 12.7% | 12.6% | 89% |
| Total Capital Ratio | n/a | n/a | 16.7% | 16.0% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
188
-10 (-5.1%) YoY -3 (-1.6%) QoQ |
-126 | 313 | 342 | 482 | 36% |
| Assets per Employee ($) |
$9.2M
+10.4% YoY +4.0% QoQ |
-$1.3M | $10.5M | $9.9M | $8.8M | 57% |
| Branch Count |
16
0 YoY 0 QoQ |
-4 | 20 | 19 | 18 | 53% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 0.2% | 0.2% | 0.4% | 87% |
| Nonaccrual |
1.2%
-0.2pp YoY 0.0pp QoQ |
+0.4pp | 0.8% | 0.7% | 1.0% | 80% |
| Allowance Coverage |
0.92x
+22.8% YoY -0.5% QoQ |
-17.79x | 18.71x | 4.87x | 20.23x | 20% |
| Net Charge-off Rate (YTD) |
-0.0%
+0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 12% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.2%
+1.0pp YoY +0.6pp QoQ |
-4.4pp | 12.6% | 8.2% | 11.6% | 20% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.9% | 1.7% | 1.7% | 59% |
| Net Income ($, YTD) |
$9.2M
+22.6% YoY — QoQ |
-$10.0M | $19.2M | $28.0M | $40.4M | 36% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.