BlastPoint's Banking Scorecard

DR Bank

$100M-$1B Specialty: Consumer CT FDIC cert 58257

Darien, CT

2 branches across CT

2664 banks in the $100M-$1B peer group nationally 12 in CT

DR Bank has 5 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

+ Revenue Diversifier: Top 9.2% in tier
+ Profitability Leader: Top 10.5% in tier
+ Net Interest Margin 1.17% above tier average
+ Efficiency Ratio 11.47% below tier average
+ Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 18.9% in tier
- Loan-to-Deposit Ratio 23.44% above tier average
- Non-Interest-Bearing Deposit Share 15.88% below tier average

Get updates when DR Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Total Assets ?	$860.7M +20.9% YoY +2.6% QoQ	+$474.6M	$386.1M +0.5% YoY	$4.6B +6.9% YoY	$6.2B +9.1% YoY	Top 5.3% in tier
Total Loans ?	$717.2M +21.7% YoY +3.5% QoQ	+$461.4M	$255.7M +1.1% YoY	$3.2B +8.3% YoY	$3.2B +10.8% YoY	Top 2.0% in tier
Total Deposits ?	$716.6M +21.2% YoY +2.0% QoQ	+$388.6M	$328.0M +0.1% YoY	$3.7B +5.9% YoY	$4.8B +8.2% YoY	Top 5.8% in tier
Return on Assets ?	2.02% +112.3% YoY +21.0% QoQ	+0.75%	1.27% +12.9% YoY	0.98% +59.4% YoY	1.23% +13.4% YoY	Top 12.1% in tier
Net Interest Margin ?	5.10% +16.1% YoY +1.4% QoQ	+1.17%	3.93% +6.0% YoY	3.30% +11.1% YoY	3.89% +5.7% YoY	Top 5.9% in tier
Efficiency Ratio ?	53.82% -26.3% YoY -8.3% QoQ	-11.47%	65.29% -4.5% YoY	74.04% -0.3% YoY	66.95% -4.1% YoY	77%
Delinquency Rate ?	0.17% +134.9% YoY +188.7% QoQ	-0.71%	0.89% +18.8% YoY	0.76% +15.1% YoY	0.95% +18.8% YoY	67%
Loan-to-Deposit Ratio ?	100.08% +0.4% YoY +1.5% QoQ	+23.44%	76.64% +0.8% YoY	87.65% +0.6% YoY	76.70% +0.9% YoY	Bottom 8.4% in tier
Non-Interest-Bearing Deposit Share ?	6.14% -3.9% YoY -8.8% QoQ	-15.88%	22.02% -1.0% YoY	20.48% -2.9% YoY	22.01% -1.2% YoY	Bottom 4.8% in tier
Nonperforming Asset Ratio ?	0.14% +136.3% YoY +191.2% QoQ	-0.49%	0.64% +19.7% YoY	0.54% +14.2% YoY	0.67% +19.3% YoY	65%
Tier 1 Capital Ratio ?	10.19% +12.6% YoY -0.3% QoQ	-5.64%	15.83% +1.5% YoY	15.66% +1.9% YoY	17.06% +0.8% YoY	Bottom 11.8% in tier
Non-Interest Income / Assets ?	0.40% +129.5% YoY -59.0% QoQ	+0.12%	0.28% +9.3% YoY	0.74% +3.6% YoY	0.32% +4.1% YoY	Top 4.5% in tier

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$250B+

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 (2)

Revenue Diversifier

growth

#62 of 666 • Top 9.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.40%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 2.02%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#71 of 666 • Top 10.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.02%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#248 of 1308 • Bottom 18.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.17%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (7 metrics)

Total Loans

size

Value: $717.16M

Peer Median: $255.72M

#53 of 2664 Top 2.0% in $100M-$1B

121

Non-Interest Income / Assets

revenue_mix

Value: 0.40%

Peer Median: 0.28%

#121 of 2664 Top 4.5% in $100M-$1B

142

Total Assets

size

Value: $860.65M

Peer Median: $386.08M

#142 of 2664 Top 5.3% in $100M-$1B

155

Total Deposits

size

Value: $716.58M

Peer Median: $327.97M

#155 of 2664 Top 5.8% in $100M-$1B

159

Net Interest Margin

profitability

Value: 5.10%

Peer Median: 3.93%

#159 of 2664 Top 5.9% in $100M-$1B

323

Return on Assets

profitability

Value: 2.02%

Peer Median: 1.27%

#323 of 2664 Top 12.1% in $100M-$1B

626

Efficiency Ratio

profitability

Value: 53.82%

Peer Median: 65.29%

#626 of 2664 Top 23.5% in $100M-$1B

Top Weaknesses (3 metrics)

2538

Non-Interest-Bearing Deposit Share

funding

Value: 6.14%

Peer Median: 22.02%

#2538 of 2664 Bottom 4.8% in $100M-$1B

2440

Loan-to-Deposit Ratio

liquidity

Value: 100.08%

Peer Median: 76.64%

#2440 of 2664 Bottom 8.4% in $100M-$1B

2351

Tier 1 Capital Ratio

capital

Value: 10.19%

Peer Median: 15.83%

#2351 of 2664 Bottom 11.8% in $100M-$1B