BlastPoint's Banking Scorecard
Connecticut Community Bank, National Association
Norwalk, CT
10 branches across CT
Connecticut Community Bank, National Association has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 18.34% above tier average
- + Net Interest Margin 0.38% above tier average
- + Delinquency Rate 0.86% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 1.6% in tier
- - Efficiency Drag: Bottom 34.3% in tier
- - Return on Assets 1.11% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$533.4M
-8.9% YoY
+1.9% QoQ
|
+$147.3M |
$386.1M
+0.5% YoY
|
$4.6B
+6.9% YoY
|
$6.2B
+9.1% YoY
|
75% |
| Total Loans ? |
$317.2M
+0.7% YoY
+8.0% QoQ
|
+$61.5M |
$255.7M
+1.1% YoY
|
$3.2B
+8.3% YoY
|
$3.2B
+10.8% YoY
|
70% |
| Total Deposits ? |
$453.2M
-11.4% YoY
+1.8% QoQ
|
+$125.2M |
$328.0M
+0.1% YoY
|
$3.7B
+5.9% YoY
|
$4.8B
+8.2% YoY
|
75% |
| Return on Assets ? |
0.16%
-65.0% YoY
-68.0% QoQ
|
-1.11% |
1.27%
+12.9% YoY
|
0.98%
+59.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 5.9% in tier |
| Net Interest Margin ? |
4.31%
+2.2% YoY
-2.4% QoQ
|
+0.38% |
3.93%
+6.0% YoY
|
3.30%
+11.1% YoY
|
3.89%
+5.7% YoY
|
73% |
| Efficiency Ratio ? |
94.43%
+11.2% YoY
+12.0% QoQ
|
+29.14% |
65.29%
-4.5% YoY
|
74.04%
-0.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 4.2% in tier |
| Delinquency Rate ? |
0.03%
-96.5% YoY
-7.4% QoQ
|
-0.86% |
0.89%
+18.8% YoY
|
0.76%
+15.1% YoY
|
0.95%
+18.8% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
70.00%
+13.6% YoY
+6.1% QoQ
|
-6.64% |
76.64%
+0.8% YoY
|
87.65%
+0.6% YoY
|
76.70%
+0.9% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
40.36%
-12.5% YoY
+0.2% QoQ
|
+18.34% |
22.02%
-1.0% YoY
|
20.48%
-2.9% YoY
|
22.01%
-1.2% YoY
|
Top 4.4% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-96.2% YoY
-1.9% QoQ
|
-0.62% |
0.64%
+19.7% YoY
|
0.54%
+14.2% YoY
|
0.67%
+19.3% YoY
|
84% |
| Tier 1 Capital Ratio ? |
12.88%
+7.7% YoY
-0.3% QoQ
|
-2.95% |
15.83%
+1.5% YoY
|
15.66%
+1.9% YoY
|
17.06%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.04%
+6.4% YoY
-76.2% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.74%
+3.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 10.9% in tier |
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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 (2)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.