BlastPoint's Banking Scorecard
Jewett City Savings Bank
Designations: ✓ Mutual
Jewett City, CT
7 branches across CT
Jewett City Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.45% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 19.9% in tier
- - ROA 0.63% below tier average
- - Efficiency Ratio 14.56% above tier average
- - Delinquency Rate 0.94% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$484.4M
+8.5% YoY
-0.0% QoQ
|
+$98.3M |
$386.1M
+0.5% YoY
|
$4.6B
+6.9% YoY
|
$6.2B
+9.1% YoY
|
70% |
| Total Loans ? |
$387.7M
+7.8% YoY
-0.1% QoQ
|
+$132.0M |
$255.7M
+1.1% YoY
|
$3.2B
+8.3% YoY
|
$3.2B
+10.8% YoY
|
78% |
| Total Deposits ? |
$389.7M
+6.1% YoY
-0.3% QoQ
|
+$61.7M |
$328.0M
+0.1% YoY
|
$3.7B
+5.9% YoY
|
$4.8B
+8.2% YoY
|
69% |
| Return on Assets ? |
0.64%
-18.6% YoY
-41.3% QoQ
|
-0.63% |
1.27%
+12.9% YoY
|
0.98%
+59.4% YoY
|
1.23%
+13.4% YoY
|
18% |
| Net Interest Margin ? |
4.38%
+1.4% YoY
-3.1% QoQ
|
+0.45% |
3.93%
+6.0% YoY
|
3.30%
+11.1% YoY
|
3.89%
+5.7% YoY
|
77% |
| Efficiency Ratio ? |
79.85%
+10.7% YoY
+12.3% QoQ
|
+14.56% |
65.29%
-4.5% YoY
|
74.04%
-0.3% YoY
|
66.95%
-4.1% YoY
|
16% |
| Delinquency Rate ? |
1.82%
+39.7% QoQ
|
+0.94% |
0.89%
+18.8% YoY
|
0.76%
+15.1% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.4% in tier |
| Loan-to-Deposit Ratio ? |
99.49%
+1.6% YoY
+0.2% QoQ
|
+22.85% |
76.64%
+0.8% YoY
|
87.65%
+0.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 9.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.02%
+4.1% YoY
-7.5% QoQ
|
-1.00% |
22.02%
-1.0% YoY
|
20.48%
-2.9% YoY
|
22.01%
-1.2% YoY
|
50% |
| Nonperforming Asset Ratio ? |
1.46%
+39.5% QoQ
|
+0.82% |
0.64%
+19.7% YoY
|
0.54%
+14.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 11.9% in tier |
| Tier 1 Capital Ratio ? |
18.01%
-2.2% YoY
+1.4% QoQ
|
+2.18% |
15.83%
+1.5% YoY
|
15.66%
+1.9% YoY
|
17.06%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.16%
-3.5% YoY
-75.4% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.74%
+3.6% YoY
|
0.32%
+4.1% YoY
|
75% |
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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)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.