BlastPoint's Banking Scorecard

Connecticut Community Bank, National Association

$100M-$1B Specialty: Commercial CT FDIC cert 34876

Norwalk, CT

10 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 ($445.8M on the books).
Delinquency rate 0.02%.
Return on assets 0.26%.
Efficiency ratio 91.79% vs a 64.48% peer average.
Loan-to-deposit ratio 71.89% 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) →

Connecticut Community Bank, National Association has 3 strengths but faces 3 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

+ Non-Interest-Bearing Deposit Share 19.72% above tier average
+ Net Interest Margin 0.40% above tier average
+ Delinquency Rate 0.89% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 4.3% in tier
- Efficiency Drag: Bottom 33.8% in tier
- Return on Assets 1.07% below tier average

Get updates when Connecticut Community Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Total Assets ?	$526.0M -4.3% YoY -1.4% QoQ	+$139.4M	$386.6M +1.2% YoY	$4.8B +5.5% YoY	$6.3B +7.7% YoY	74%
Total Loans ?	$320.5M +1.7% YoY +1.0% QoQ	+$62.2M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	70%
Total Deposits ?	$445.8M -5.9% YoY -1.6% QoQ	+$119.1M	$326.7M +0.7% YoY	$3.9B +6.2% YoY	$4.9B +7.3% YoY	74%
Return on Assets ?	0.26% -46.2% YoY +57.2% QoQ	-1.07%	1.32% +10.8% YoY	1.11% +57.7% YoY	1.30% +12.1% YoY	Bottom 6.6% in tier
Net Interest Margin ?	4.39% +3.7% YoY +2.0% QoQ	+0.40%	3.99% +5.0% YoY	3.44% +11.6% YoY	3.95% +4.9% YoY	74%
Efficiency Ratio ?	91.79% +8.3% YoY -2.8% QoQ	+27.31%	64.48% -3.2% YoY	72.27% -70.9% YoY	70.05% +2.5% YoY	Bottom 4.7% in tier
Delinquency Rate ?	0.02% -97.0% YoY -19.2% QoQ	-0.89%	0.92% +15.7% YoY	0.70% -4.9% YoY	0.98% +16.3% YoY	83%
Loan-to-Deposit Ratio ?	71.89% +8.1% YoY +2.7% QoQ	-6.06%	77.95% +1.0% YoY	91.71% +1.4% YoY	79.03% +2.3% YoY	66%
Non-Interest-Bearing Deposit Share ?	41.75% -6.6% YoY +3.4% QoQ	+19.72%	22.03% -0.6% YoY	22.06% +1.6% YoY	21.98% -0.6% YoY	Top 3.6% in tier
Nonperforming Asset Ratio ?	0.02% -96.8% YoY -17.2% QoQ	-0.65%	0.67% +16.4% YoY	0.53% -3.6% YoY	0.69% +15.8% YoY	85%
Tier 1 Capital Ratio ?	13.11% +5.6% YoY +1.8% QoQ	-2.80%	15.91% +1.4% YoY	14.05% -0.0% YoY	17.09% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.07% +4.0% YoY +104.4% QoQ	-0.49%	0.57% +7.6% YoY	0.35% +5.1% YoY	0.66% +5.2% YoY	Bottom 10.6% in tier

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	41.8% -2.9pp YoY +1.4pp QoQ	+19.6pp	22.1%	22.1%	22.2%	96%
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	54.7% +2.1pp YoY +1.0pp QoQ	+43.1pp	11.6%	11.4%	12.5%	99%
CRE	44.1% -2.6pp YoY -1.7pp QoQ	+4.6pp	39.5%	42.4%	41.4%	60%
1-4 Family	1.8% +0.1pp YoY +0.1pp QoQ	-30.8pp	32.6%	42.2%	31.3%	2%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	4.1%	5.0%	1%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.0%	19.7%	n/a
Leverage Ratio	13.1% +0.7pp YoY +0.2pp QoQ	+0.9pp	12.2%	12.7%	12.6%	76%
Total Capital Ratio	n/a	n/a	19.9%	16.0%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Full-Time Employees	89 0 YoY 0 QoQ	+30	58	342	482	82%
Assets per Employee ($)	$5.9M -4.3% YoY -1.4% QoQ	-$1.6M	$7.5M	$9.9M	$8.8M	32%
Branch Count	10 0 YoY 0 QoQ	+5	4	19	18	90%

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	0.0% -0.8pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.7%	1.0%	6%
Allowance Coverage	43.16x +3197.0% YoY +22.6% QoQ	+19.01x	24.15x	4.87x	20.23x	94%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	24%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
ROE	1.9% -1.9pp YoY +0.7pp QoQ	-10.3pp	12.2%	8.2%	11.6%	6%
Cost of Funds (YTD)	1.1% -0.1pp YoY 0.0pp QoQ	-0.7pp	1.7%	1.7%	1.7%	12%
Net Income ($, YTD)	$675,000 -48.8% YoY — QoQ	-$1.9M	$2.6M	$28.0M	$40.4M	16%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (2)

Deposit Outflow

decline

#24 of 535 • Bottom 4.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#123 of 361 • Bottom 33.8% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 91.79%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 41.75%

Peer Median: 22.03%

#96 of 2643 Top 3.6% in $100M-$1B

398

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#398 of 2643 Top 15.0% in $100M-$1B

442

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.92%

#442 of 2633 Top 16.7% in $100M-$1B

Top Weaknesses (3 metrics)

2520

Efficiency Ratio

profitability

Value: 91.79%

Peer Median: 64.48%

#2520 of 2643 Bottom 4.7% in $100M-$1B

2470

Return on Assets

profitability

Value: 0.26%

Peer Median: 1.32%

#2470 of 2643 Bottom 6.6% in $100M-$1B

2364

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.57%

#2364 of 2643 Bottom 10.6% in $100M-$1B