BlastPoint's Banking Scorecard
Ascend Bank
Designations: ✓ Community bank
Guilford, CT
13 branches across CT
Ascend Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.48% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Net Interest Margin 0.40% below tier average
- - Efficiency Ratio 8.20% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+23.9% YoY
+1.3% QoQ
|
-$1.3B |
$2.8B
-0.1% YoY
|
$4.6B
+6.9% YoY
|
$6.2B
+9.1% YoY
|
33% |
| Total Loans ? |
$1.1B
+28.8% YoY
-0.7% QoQ
|
-$842.9M |
$2.0B
+0.6% YoY
|
$3.2B
+8.3% YoY
|
$3.2B
+10.8% YoY
|
39% |
| Total Deposits ? |
$1.3B
+24.6% YoY
+1.3% QoQ
|
-$1.0B |
$2.3B
-0.3% YoY
|
$3.7B
+5.9% YoY
|
$4.8B
+8.2% YoY
|
37% |
| Return on Assets ? |
0.87%
+272.7% YoY
+146.1% QoQ
|
-0.49% |
1.37%
+19.6% YoY
|
0.98%
+59.4% YoY
|
1.23%
+13.4% YoY
|
24% |
| Net Interest Margin ? |
3.42%
+28.0% YoY
+7.6% QoQ
|
-0.40% |
3.82%
+6.9% YoY
|
3.30%
+11.1% YoY
|
3.89%
+5.7% YoY
|
36% |
| Efficiency Ratio ? |
69.26%
-20.1% YoY
-19.1% QoQ
|
+8.20% |
61.06%
-4.6% YoY
|
74.04%
-0.3% YoY
|
66.95%
-4.1% YoY
|
24% |
| Delinquency Rate ? |
0.41%
+169.0% YoY
+12.4% QoQ
|
-0.48% |
0.89%
+14.1% YoY
|
0.76%
+15.1% YoY
|
0.95%
+18.8% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
86.15%
+3.4% YoY
-2.0% QoQ
|
+1.95% |
84.20%
+0.3% YoY
|
87.65%
+0.6% YoY
|
76.70%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
12.78%
+13.5% YoY
+0.4% QoQ
|
-8.51% |
21.29%
-2.5% YoY
|
20.48%
-2.9% YoY
|
22.01%
-1.2% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.31%
+179.7% YoY
+10.3% QoQ
|
-0.36% |
0.67%
+15.6% YoY
|
0.54%
+14.2% YoY
|
0.67%
+19.3% YoY
|
62% |
| Tier 1 Capital Ratio ? |
9.68%
-10.3% YoY
+2.6% QoQ
|
-5.48% |
15.16%
+2.0% YoY
|
15.66%
+1.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.4% in tier |
| Non-Interest Income / Assets ? |
0.15%
-2.1% YoY
-74.3% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.74%
+3.6% YoY
|
0.32%
+4.1% YoY
|
55% |
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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.