BlastPoint's Banking Scorecard
The National Iron Bank
Salisbury, CT
4 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 +6.6% year over year ($291.4M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.82%.
- Efficiency ratio 69.90% vs a 64.48% peer average.
- Loan-to-deposit ratio 89.62% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The National Iron Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 37.5% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Net Interest Margin 0.91% below tier average
- - Efficiency Ratio 5.43% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$318.0M
+6.6% YoY
-0.5% QoQ
|
-$68.6M |
$386.6M
+1.2% YoY
|
$4.8B
+5.5% YoY
|
$6.3B
+7.7% YoY
|
49% |
| Total Loans ? |
$261.2M
+4.5% YoY
+2.1% QoQ
|
+$2.8M |
$258.3M
+1.7% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
61% |
| Total Deposits ? |
$291.4M
+6.6% YoY
-0.7% QoQ
|
-$35.3M |
$326.7M
+0.7% YoY
|
$3.9B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
53% |
| Return on Assets ? |
0.82%
+16.4% YoY
+14.5% QoQ
|
-0.50% |
1.32%
+10.8% YoY
|
1.11%
+57.7% YoY
|
1.30%
+12.1% YoY
|
24% |
| Net Interest Margin ? |
3.08%
+16.5% YoY
+1.0% QoQ
|
-0.91% |
3.99%
+5.0% YoY
|
3.44%
+11.6% YoY
|
3.95%
+4.9% YoY
|
Bottom 12.0% in tier |
| Efficiency Ratio ? |
69.90%
+22.8% YoY
-2.7% QoQ
|
+5.43% |
64.48%
-3.2% YoY
|
72.27%
-70.9% YoY
|
70.05%
+2.5% YoY
|
30% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.70%
-4.9% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
89.62%
-1.9% YoY
+2.8% QoQ
|
+11.66% |
77.95%
+1.0% YoY
|
91.71%
+1.4% YoY
|
79.03%
+2.3% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
11.04%
+1.0% YoY
-16.5% QoQ
|
-10.99% |
22.03%
-0.6% YoY
|
22.06%
+1.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 12.8% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.53%
-3.6% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
16.00%
-3.4% YoY
-0.1% QoQ
|
+0.09% |
15.91%
+1.4% YoY
|
14.05%
-0.0% YoY
|
17.09%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.11%
-84.4% YoY
+109.1% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.35%
+5.1% YoY
|
0.66%
+5.2% YoY
|
20% |
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 |
11.0%
+0.1pp YoY -2.2pp QoQ |
-11.1pp | 22.1% | 22.1% | 22.2% | 12% |
| 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 |
1.2%
+0.6pp YoY +0.8pp QoQ |
-10.4pp | 11.6% | 11.4% | 12.5% | 4% |
| CRE |
9.4%
0.0pp YoY -0.6pp QoQ |
-30.1pp | 39.5% | 42.4% | 41.4% | 4% |
| 1-4 Family |
89.4%
-0.6pp YoY -0.2pp QoQ |
+56.8pp | 32.6% | 42.2% | 31.3% | 98% |
| Consumer |
0.4%
0.0pp YoY 0.0pp QoQ |
-3.7pp | 4.1% | 4.1% | 5.0% | 14% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.0%
-0.6pp YoY 0.0pp QoQ |
-2.8pp | 18.8% | 15.0% | 19.7% | 57% |
| Leverage Ratio |
8.5%
-0.3pp YoY +0.1pp QoQ |
-3.7pp | 12.2% | 12.7% | 12.6% | 6% |
| Total Capital Ratio |
16.8%
-0.5pp YoY 0.0pp QoQ |
-3.1pp | 19.9% | 16.0% | 20.8% | 56% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
35
+2 (+6.1%) YoY +3 (+9.4%) QoQ |
-24 | 58 | 342 | 482 | 35% |
| Assets per Employee ($) |
$9.1M
+0.5% YoY -9.0% QoQ |
+$1.6M | $7.5M | $9.9M | $8.8M | 80% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 19 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 4.87x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.1% | 0.2% | 27% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.4%
+1.6pp YoY +1.2pp QoQ |
-1.8pp | 12.2% | 8.2% | 11.6% | 40% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.7% | 1.7% | 37% |
| Net Income ($, YTD) |
$1.3M
+26.5% YoY — QoQ |
-$1.2M | $2.6M | $28.0M | $40.4M | 37% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.