BlastPoint's Banking Scorecard
Ascend Bank
Designations: ✓ Community bank
Guilford, CT
13 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 +26.1% year over year ($1.3B on the books).
- Delinquency rate 0.51%.
- Return on assets 1.03%.
- Efficiency ratio 67.45% vs a 59.73% peer average.
- Loan-to-deposit ratio 87.48% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Ascend Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.36% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.36% below tier average
- - Net Interest Margin 0.42% below tier average
- - Efficiency Ratio 7.73% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+26.3% YoY
+1.4% QoQ
|
-$1.3B |
$2.8B
-0.6% YoY
|
$4.8B
+5.5% YoY
|
$6.3B
+7.7% YoY
|
34% |
| Total Loans ? |
$1.2B
+29.8% YoY
+2.8% QoQ
|
-$809.9M |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
41% |
| Total Deposits ? |
$1.3B
+26.1% YoY
+1.2% QoQ
|
-$1.0B |
$2.3B
-0.5% YoY
|
$3.9B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
38% |
| Return on Assets ? |
1.03%
+166.4% YoY
+18.5% QoQ
|
-0.36% |
1.39%
+17.0% YoY
|
1.11%
+57.7% YoY
|
1.30%
+12.1% YoY
|
32% |
| Net Interest Margin ? |
3.45%
+23.8% YoY
+0.9% QoQ
|
-0.42% |
3.87%
+6.2% YoY
|
3.44%
+11.6% YoY
|
3.95%
+4.9% YoY
|
34% |
| Efficiency Ratio ? |
67.45%
-19.3% YoY
-2.6% QoQ
|
+7.73% |
59.73%
-12.6% YoY
|
72.27%
-70.9% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
0.51%
+181.1% YoY
+23.7% QoQ
|
-0.36% |
0.87%
+11.7% YoY
|
0.70%
-4.9% YoY
|
0.98%
+16.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
87.48%
+3.0% YoY
+1.5% QoQ
|
+2.44% |
85.04%
-0.1% YoY
|
91.71%
+1.4% YoY
|
79.03%
+2.3% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
12.88%
+8.1% YoY
+0.7% QoQ
|
-8.39% |
21.27%
-1.5% YoY
|
22.06%
+1.6% YoY
|
21.98%
-0.6% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.39%
+188.8% YoY
+25.4% QoQ
|
-0.28% |
0.67%
+11.7% YoY
|
0.53%
-3.6% YoY
|
0.69%
+15.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
9.65%
-11.5% YoY
+0.7% QoQ
|
-5.19% |
14.84%
-0.4% YoY
|
14.05%
-0.0% YoY
|
17.09%
+0.8% YoY
|
Bottom 3.1% in tier |
| Non-Interest Income / Assets ? |
0.31%
-0.2% YoY
+106.8% QoQ
|
-0.21% |
0.53%
+2.5% YoY
|
0.35%
+5.1% YoY
|
0.66%
+5.2% YoY
|
56% |
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 |
12.9%
+1.0pp YoY +0.1pp QoQ |
-8.5pp | 21.4% | 22.1% | 22.2% | 18% |
| Brokered Deposits |
0.0%
0.0pp YoY 0.0pp QoQ |
-9.5pp | 9.5% | 8.1% | 8.5% | 0% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.7%
-0.5pp YoY -0.4pp QoQ |
-10.3pp | 14.0% | 11.4% | 12.5% | 12% |
| CRE |
41.6%
-0.3pp YoY +1.0pp QoQ |
-8.5pp | 50.0% | 42.4% | 41.4% | 28% |
| 1-4 Family |
53.8%
+0.2pp YoY -0.7pp QoQ |
+27.4pp | 26.4% | 42.2% | 31.3% | 92% |
| Consumer |
1.6%
+0.7pp YoY +0.1pp QoQ |
-3.1pp | 4.7% | 4.1% | 5.0% | 58% |
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 |
9.7%
-1.3pp YoY +0.1pp QoQ |
-1.7pp | 11.3% | 12.7% | 12.6% | 27% |
| 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 |
171
+26 (+17.9%) YoY +4 (+2.4%) QoQ |
-143 | 313 | 342 | 482 | 31% |
| Assets per Employee ($) |
$8.7M
+7.1% YoY -0.9% QoQ |
-$1.7M | $10.5M | $9.9M | $8.8M | 51% |
| Branch Count |
13
+5 (+62.5%) YoY 0 QoQ |
-7 | 20 | 19 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.2pp | 0.2% | 0.2% | 0.4% | 25% |
| Nonaccrual |
0.5%
+0.4pp YoY +0.1pp QoQ |
-0.3pp | 0.8% | 0.7% | 1.0% | 49% |
| Allowance Coverage |
1.52x
-56.0% YoY -17.1% QoQ |
-17.19x | 18.71x | 4.87x | 20.23x | 39% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY -0.1pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 58% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.4%
+6.5pp YoY +1.5pp QoQ |
-2.2pp | 12.6% | 8.2% | 11.6% | 37% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.9% | 1.7% | 1.7% | 41% |
| Net Income ($, YTD) |
$7.6M
+233.5% YoY — QoQ |
-$11.6M | $19.2M | $28.0M | $40.4M | 28% |
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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.