BlastPoint's Banking Scorecard
Bankwell Bank
New Canaan, CT
11 branches across CT · NY
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 885 banks in the $1B-$10B peer group nationwide — 1 of 15 in CT.
- Deposits +9.5% year over year ($3.0B on the books).
- Delinquency rate 0.54%.
- Return on assets 1.61%.
- Efficiency ratio 44.16% vs a 59.73% peer average.
- Loan-to-deposit ratio 96.36% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bankwell Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.22% above tier average
- + Efficiency Ratio 15.57% below tier average
- + Delinquency Rate 0.32% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.29% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.5B
+7.3% YoY
+3.0% QoQ
|
+$673.1M |
$2.8B
-0.6% YoY
|
$4.8B
+5.5% YoY
|
$6.3B
+7.7% YoY
|
76% |
| Total Loans ? |
$2.9B
+11.0% YoY
+3.3% QoQ
|
+$961.7M |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
82% |
| Total Deposits ? |
$3.0B
+9.5% YoY
+4.2% QoQ
|
+$716.5M |
$2.3B
-0.5% YoY
|
$3.9B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
78% |
| Return on Assets ? |
1.61%
+37.0% YoY
+4.2% QoQ
|
+0.22% |
1.39%
+17.0% YoY
|
1.11%
+57.7% YoY
|
1.30%
+12.1% YoY
|
74% |
| Net Interest Margin ? |
3.58%
+15.4% YoY
+3.6% QoQ
|
-0.29% |
3.87%
+6.2% YoY
|
3.44%
+11.6% YoY
|
3.95%
+4.9% YoY
|
42% |
| Efficiency Ratio ? |
44.16%
-14.6% YoY
-8.8% QoQ
|
-15.57% |
59.73%
-12.6% YoY
|
72.27%
-70.9% YoY
|
70.05%
+2.5% YoY
|
Top 10.5% in tier |
| Delinquency Rate ? |
0.54%
-40.1% YoY
-19.3% QoQ
|
-0.32% |
0.87%
+11.7% YoY
|
0.70%
-4.9% YoY
|
0.98%
+16.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
96.36%
+1.4% YoY
-0.9% QoQ
|
+11.33% |
85.04%
-0.1% YoY
|
91.71%
+1.4% YoY
|
79.03%
+2.3% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
15.55%
+8.5% YoY
+5.7% QoQ
|
-5.72% |
21.27%
-1.5% YoY
|
22.06%
+1.6% YoY
|
21.98%
-0.6% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.46%
-41.2% YoY
-19.1% QoQ
|
-0.22% |
0.67%
+11.7% YoY
|
0.53%
-3.6% YoY
|
0.69%
+15.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
11.67%
-4.3% YoY
-2.5% QoQ
|
-3.17% |
14.84%
-0.4% YoY
|
14.05%
-0.0% YoY
|
17.09%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.19%
+77.9% YoY
+92.2% QoQ
|
-0.34% |
0.53%
+2.5% YoY
|
0.35%
+5.1% YoY
|
0.66%
+5.2% YoY
|
29% |
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 |
15.6%
+1.2pp YoY +0.8pp QoQ |
-5.8pp | 21.4% | 22.1% | 22.2% | 29% |
| Brokered Deposits |
16.7%
-5.8pp YoY -1.0pp QoQ |
+7.2pp | 9.5% | 8.1% | 8.5% | 85% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
24.5%
+3.3pp YoY -1.0pp QoQ |
+10.5pp | 14.0% | 11.4% | 12.5% | 87% |
| CRE |
71.8%
-2.9pp YoY +0.8pp QoQ |
+21.8pp | 50.0% | 42.4% | 41.4% | 90% |
| 1-4 Family |
2.3%
-0.3pp YoY 0.0pp QoQ |
-24.1pp | 26.4% | 42.2% | 31.3% | 3% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 4.1% | 5.0% | 0% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.7%
-0.5pp YoY -0.3pp QoQ |
-3.9pp | 15.6% | 15.0% | 19.7% | 18% |
| Leverage Ratio |
10.4%
-0.2pp YoY +0.1pp QoQ |
-0.9pp | 11.3% | 12.7% | 12.6% | 47% |
| Total Capital Ratio |
12.7%
-0.6pp YoY -0.3pp QoQ |
-4.0pp | 16.7% | 16.0% | 20.8% | 17% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
181
+21 (+13.1%) YoY +5 (+2.8%) QoQ |
-133 | 313 | 342 | 482 | 34% |
| Assets per Employee ($) |
$19.2M
-5.2% YoY +0.2% QoQ |
+$8.7M | $10.5M | $9.9M | $8.8M | 94% |
| Branch Count |
11
+2 (+22.2%) YoY 0 QoQ |
-9 | 20 | 19 | 18 | 35% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.4pp YoY -0.1pp QoQ |
-0.3pp | 0.8% | 0.7% | 1.0% | 52% |
| Allowance Coverage |
1.93x
+57.5% YoY +24.2% QoQ |
-16.78x | 18.71x | 4.87x | 20.23x | 47% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 33% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.5%
+4.1pp YoY +0.7pp QoQ |
+2.9pp | 12.6% | 8.2% | 11.6% | 76% |
| Cost of Funds (YTD) |
2.8%
-0.5pp YoY -0.1pp QoQ |
+0.8pp | 1.9% | 1.7% | 1.7% | 91% |
| Net Income ($, YTD) |
$27.3M
+44.3% YoY — QoQ |
+$8.0M | $19.2M | $28.0M | $40.4M | 80% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.