BlastPoint's Banking Scorecard
Ion Bank
Naugatuck, CT
37 branches across CT · NJ
Ion Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.33% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 60.7% in tier
- - Efficiency Ratio 12.44% above tier average
- - Delinquency Rate 0.14% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
+28.2% YoY
+1.4% QoQ
|
-$48.5M |
$2.8B
-0.1% YoY
|
$4.8B
+6.9% YoY
|
$6.2B
+9.0% YoY
|
66% |
| Total Loans ? |
$2.0B
+23.0% YoY
-0.0% QoQ
|
+$63.5M |
$2.0B
+0.6% YoY
|
$3.3B
+8.3% YoY
|
$3.2B
+10.7% YoY
|
68% |
| Total Deposits ? |
$2.3B
+22.2% YoY
+1.3% QoQ
|
-$85.4M |
$2.3B
-0.3% YoY
|
$3.8B
+5.9% YoY
|
$4.8B
+8.0% YoY
|
65% |
| Return on Assets ? |
0.85%
-16.2% YoY
+7.3% QoQ
|
-0.51% |
1.37%
+19.6% YoY
|
0.79%
+125.6% YoY
|
1.24%
+13.1% YoY
|
23% |
| Net Interest Margin ? |
4.15%
+3.8% YoY
-0.9% QoQ
|
+0.33% |
3.82%
+6.9% YoY
|
3.37%
+12.2% YoY
|
3.89%
+5.7% YoY
|
78% |
| Efficiency Ratio ? |
73.49%
+4.1% YoY
-6.5% QoQ
|
+12.44% |
61.05%
-4.6% YoY
|
73.54%
-0.5% YoY
|
66.84%
-3.8% YoY
|
17% |
| Delinquency Rate ? |
1.03%
+211.3% YoY
+16.8% QoQ
|
+0.14% |
0.89%
+14.1% YoY
|
0.76%
+15.1% YoY
|
0.95%
+18.8% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
89.83%
+0.6% YoY
-1.3% QoQ
|
+5.62% |
84.20%
+0.3% YoY
|
90.89%
+0.6% YoY
|
76.69%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
29.54%
-0.2% YoY
-0.1% QoQ
|
+8.26% |
21.28%
-2.5% YoY
|
21.24%
-2.9% YoY
|
22.01%
-1.1% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.88%
+76.2% YoY
+12.4% QoQ
|
+0.21% |
0.67%
+15.6% YoY
|
0.56%
+14.2% YoY
|
0.66%
+19.3% YoY
|
24% |
| Tier 1 Capital Ratio ? |
15.30%
+24.8% YoY
+2.9% QoQ
|
+0.13% |
15.17%
+2.0% YoY
|
14.13%
+2.0% YoY
|
17.06%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.24%
-17.3% YoY
-80.8% QoQ
|
-0.02% |
0.26%
+1.6% YoY
|
0.17%
+12.0% YoY
|
0.32%
+4.0% YoY
|
79% |
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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)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.