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Jewett City Savings Bank

$100M-$1B Specialty: Commercial CT FDIC cert 18237

Designations: ✓ Mutual

Jewett City, CT

7 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 11 in CT.
  • Deposits +5.9% year over year ($400.6M on the books).
  • Delinquency rate 1.02%.
  • Return on assets 0.32%.
  • Efficiency ratio 75.79% vs a 64.48% peer average.
  • Loan-to-deposit ratio 100.48% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 11 in CT
View $100M-$1B leaderboard (CT) →

Jewett City Savings Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.51% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 22.6% in tier
  • - Return on Assets 1.00% below tier average
  • - Efficiency Ratio 11.31% above tier average
  • - Delinquency Rate 0.11% above tier average
Get updates when Jewett City Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Total Assets ? $493.9M
+6.8% YoY +2.0% QoQ
+$107.3M $386.6M
+1.2% YoY
$4.8B
+5.5% YoY
$6.3B
+7.7% YoY
71%
Total Loans ? $402.5M
+7.6% YoY +3.8% QoQ
+$144.2M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
80%
Total Deposits ? $400.6M
+5.9% YoY +2.8% QoQ
+$73.9M $326.7M
+0.7% YoY
$3.9B
+6.2% YoY
$4.9B
+7.3% YoY
70%
Return on Assets ? 0.32%
-61.0% YoY -49.4% QoQ
-1.00% 1.32%
+10.8% YoY
1.11%
+57.7% YoY
1.30%
+12.1% YoY
Bottom 7.8% in tier
Net Interest Margin ? 4.49%
+2.9% YoY +2.6% QoQ
+0.51% 3.99%
+5.0% YoY
3.44%
+11.6% YoY
3.95%
+4.9% YoY
80%
Efficiency Ratio ? 75.79%
+6.7% YoY -5.1% QoQ
+11.31% 64.48%
-3.2% YoY
72.27%
-70.9% YoY
70.05%
+2.5% YoY
19%
Delinquency Rate ? 1.02%
+81.7% YoY -43.8% QoQ
+0.11% 0.92%
+15.7% YoY
0.70%
-4.9% YoY
0.98%
+16.3% YoY
28%
Loan-to-Deposit Ratio ? 100.48%
+1.6% YoY +1.0% QoQ
+22.53% 77.95%
+1.0% YoY
91.71%
+1.4% YoY
79.03%
+2.3% YoY
Bottom 9.5% in tier
Non-Interest-Bearing Deposit Share ? 21.34%
-1.4% YoY +1.5% QoQ
-0.69% 22.03%
-0.6% YoY
22.06%
+1.6% YoY
21.98%
-0.6% YoY
51%
Nonperforming Asset Ratio ? 0.84%
+83.0% YoY -42.8% QoQ
+0.17% 0.67%
+16.4% YoY
0.53%
-3.6% YoY
0.69%
+15.8% YoY
25%
Tier 1 Capital Ratio ? 17.46%
-2.6% YoY -3.0% QoQ
+1.55% 15.91%
+1.4% YoY
14.05%
-0.0% YoY
17.09%
+0.8% YoY
79%
Non-Interest Income / Assets ? 0.31%
+0.1% YoY +102.8% QoQ
-0.25% 0.57%
+7.6% YoY
0.35%
+5.1% YoY
0.66%
+5.2% YoY
74%

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 21.3%
-0.3pp YoY
+0.3pp QoQ
 -0.8pp 22.1% 22.1% 22.2% 51%
Brokered Deposits n/a n/a 7.9% 8.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
C&I 9.3%
-1.7pp YoY
-0.1pp QoQ
 -2.3pp 11.6% 11.4% 12.5% 48%
CRE 54.2%
+5.8pp YoY
+2.1pp QoQ
 +14.6pp 39.5% 42.4% 41.4% 76%
1-4 Family 34.9%
-4.5pp YoY
-1.9pp QoQ
 +2.3pp 32.6% 42.2% 31.3% 61%
Consumer 0.0%
-0.1pp YoY
0.0pp QoQ
 -4.1pp 4.1% 4.1% 5.0% 2%

Capital

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
CET1 Ratio 17.5%
-0.5pp YoY
-0.6pp QoQ
 -1.4pp 18.8% 15.0% 19.7% 66%
Leverage Ratio 14.4%
-0.1pp YoY
+0.2pp QoQ
 +2.2pp 12.2% 12.7% 12.6% 84%
Total Capital Ratio 18.5%
-0.4pp YoY
-0.5pp QoQ
 -1.5pp 19.9% 16.0% 20.8% 65%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Full-Time Employees 90
+1 (+1.1%) YoY
-2 (-2.2%) QoQ
 +31 58 342 482 82%
Assets per Employee ($) $5.5M
+5.6% YoY
+4.2% QoQ
 -$2.0M $7.5M $9.9M $8.8M 22%
Branch Count 7
0 YoY
0 QoQ
 +2 4 19 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 1.0%
+0.5pp YoY
-0.8pp QoQ
 +0.1pp 0.9% 0.7% 1.0% 72%
Allowance Coverage 0.96x
-40.8% YoY
+92.9% QoQ
 -23.20x 24.15x 4.87x 20.23x 26%
Net Charge-off Rate (YTD) 0.9%
+0.8pp YoY
+0.9pp QoQ
 +0.8pp 0.1% 0.1% 0.2% 97%

Profitability

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
ROE 2.3%
-3.5pp YoY
-2.2pp QoQ
 -9.9pp 12.2% 8.2% 11.6% 7%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.7% 1.7% 16%
Net Income ($, YTD) $786,000
-57.8% YoY
— QoQ
 -$1.8M $2.6M $28.0M $40.4M 19%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk
#169 of 742 • Bottom 22.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 17.46%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 100.48%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

538
Total Loans
size
Value: $402.51M
Peer Median: $258.35M
#538 of 2643 Top 20.3% in $100M-$1B
541
Net Interest Margin
profitability
Value: 4.49%
Peer Median: 3.99%
#541 of 2643 Top 20.4% in $100M-$1B
563
Tier 1 Capital Ratio
capital
Value: 17.46%
Peer Median: 15.91%
#563 of 2643 Top 21.3% in $100M-$1B

Top Weaknesses (3 metrics)

2438
Return on Assets
profitability
Value: 0.32%
Peer Median: 1.32%
#2438 of 2643 Bottom 7.8% in $100M-$1B
2394
Loan-to-Deposit Ratio
liquidity
Value: 100.48%
Peer Median: 77.95%
#2394 of 2643 Bottom 9.5% in $100M-$1B
2136
Efficiency Ratio
profitability
Value: 75.79%
Peer Median: 64.48%
#2136 of 2643 Bottom 19.2% in $100M-$1B
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