BlastPoint's Banking Scorecard

DR Bank

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

Darien, CT

2 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 +26.3% year over year ($754.5M on the books).
Delinquency rate 0.14%.
Return on assets 2.49%.
Efficiency ratio 50.60% vs a 64.48% peer average.
Loan-to-deposit ratio 98.90% 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) →

DR Bank has 5 strengths but faces 2 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

+ Profitability Leader: Top 3.8% in tier
+ Revenue Diversifier: Top 4.4% in tier
+ Net Interest Margin 1.30% above tier average
+ Efficiency Ratio 13.88% below tier average
+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 12.3% in tier
- Non-Interest-Bearing Deposit Share 15.00% below tier average

Get updates when DR Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Total Assets ?	$912.6M +25.8% YoY +6.0% QoQ	+$526.0M	$386.6M +1.2% YoY	$4.8B +5.5% YoY	$6.3B +7.7% YoY	Top 3.3% in tier
Total Loans ?	$746.2M +23.6% YoY +4.1% QoQ	+$487.9M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	Top 1.1% in tier
Total Deposits ?	$754.5M +26.3% YoY +5.3% QoQ	+$427.8M	$326.7M +0.7% YoY	$3.9B +6.2% YoY	$4.9B +7.3% YoY	Top 4.2% in tier
Return on Assets ?	2.49% +82.1% YoY +23.3% QoQ	+1.16%	1.32% +10.8% YoY	1.11% +57.7% YoY	1.30% +12.1% YoY	Top 4.8% in tier
Net Interest Margin ?	5.28% +12.1% YoY +3.6% QoQ	+1.30%	3.99% +5.0% YoY	3.44% +11.6% YoY	3.95% +4.9% YoY	Top 4.6% in tier
Efficiency Ratio ?	50.60% -21.4% YoY -6.0% QoQ	-13.88%	64.48% -3.2% YoY	72.27% -70.9% YoY	70.05% +2.5% YoY	82%
Delinquency Rate ?	0.14% +50.6% YoY -20.6% QoQ	-0.78%	0.92% +15.7% YoY	0.70% -4.9% YoY	0.98% +16.3% YoY	71%
Loan-to-Deposit Ratio ?	98.90% -2.2% YoY -1.2% QoQ	+20.95%	77.95% +1.0% YoY	91.71% +1.4% YoY	79.03% +2.3% YoY	Bottom 11.5% in tier
Non-Interest-Bearing Deposit Share ?	7.04% -14.5% YoY +14.5% QoQ	-15.00%	22.03% -0.6% YoY	22.06% +1.6% YoY	21.98% -0.6% YoY	Bottom 5.8% in tier
Nonperforming Asset Ratio ?	0.11% +47.9% YoY -22.1% QoQ	-0.56%	0.67% +16.4% YoY	0.53% -3.6% YoY	0.69% +15.8% YoY	69%
Tier 1 Capital Ratio ?	10.28% +11.4% YoY +0.9% QoQ	-5.63%	15.91% +1.4% YoY	14.05% -0.0% YoY	17.09% +0.8% YoY	Bottom 14.1% in tier
Non-Interest Income / Assets ?	0.94% +127.5% YoY +136.8% QoQ	+0.38%	0.57% +7.6% YoY	0.35% +5.1% YoY	0.66% +5.2% YoY	Top 3.8% 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	7.0% -1.2pp YoY +0.9pp QoQ	-15.1pp	22.1%	22.1%	22.2%	5%
Brokered Deposits	17.1% +0.3pp YoY -0.4pp QoQ	+9.3pp	7.9%	8.1%	8.5%	88%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
C&I	0.8% 0.0pp YoY -0.2pp QoQ	-10.7pp	11.6%	11.4%	12.5%	3%
CRE	18.3% -4.2pp YoY -1.0pp QoQ	-21.2pp	39.5%	42.4%	41.4%	15%
1-4 Family	15.9% -5.5pp YoY -1.5pp QoQ	-16.8pp	32.6%	42.2%	31.3%	21%
Consumer	65.7% +9.7pp YoY +2.6pp QoQ	+61.6pp	4.1%	4.1%	5.0%	100%

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	10.3% +1.1pp YoY +0.1pp QoQ	-1.9pp	12.2%	12.7%	12.6%	37%
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 +16 (+21.9%) YoY +9 (+11.2%) QoQ	+30	58	342	482	82%
Assets per Employee ($)	$10.3M +3.2% YoY -4.7% QoQ	+$2.7M	$7.5M	$9.9M	$8.8M	87%
Branch Count	2 0 YoY 0 QoQ	-3	4	19	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.2%	0.4%	54%
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.7%	1.0%	5%
Allowance Coverage	5.02x -38.4% YoY +14.3% QoQ	-19.13x	24.15x	4.87x	20.23x	71%
Net Charge-off Rate (YTD)	0.3% +0.2pp YoY -0.1pp QoQ	+0.2pp	0.1%	0.1%	0.2%	90%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
ROE	26.1% +10.5pp YoY +4.8pp QoQ	+13.9pp	12.2%	8.2%	11.6%	97%
Cost of Funds (YTD)	3.1% -0.6pp YoY 0.0pp QoQ	+1.4pp	1.7%	1.7%	1.7%	99%
Net Income ($, YTD)	$10.8M +123.4% YoY — QoQ	+$8.3M	$2.6M	$28.0M	$40.4M	99%

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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)

Profitability Leader

growth

#26 of 661 • Top 3.8% in tier

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

Why this signature

Return on Assets: 2.49%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Revenue Diversifier

growth

#30 of 661 • Top 4.4% 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: 0.94%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 2.49%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#155 of 1256 • Bottom 12.3% in tier

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

Why this signature

Delinquency Rate: 0.14%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 (7 metrics)

Total Loans

size

Value: $746.24M

Peer Median: $258.35M

#30 of 2643 Top 1.1% in $100M-$1B

Total Assets

size

Value: $912.61M

Peer Median: $386.57M

#87 of 2643 Top 3.3% in $100M-$1B

102

Non-Interest Income / Assets

revenue_mix

Value: 0.94%

Peer Median: 0.57%

#102 of 2643 Top 3.8% in $100M-$1B

113

Total Deposits

size

Value: $754.50M

Peer Median: $326.73M

#113 of 2643 Top 4.2% in $100M-$1B

122

Net Interest Margin

profitability

Value: 5.28%

Peer Median: 3.99%

#122 of 2643 Top 4.6% in $100M-$1B

128

Return on Assets

profitability

Value: 2.49%

Peer Median: 1.32%

#128 of 2643 Top 4.8% in $100M-$1B

474

Efficiency Ratio

profitability

Value: 50.60%

Peer Median: 64.48%

#474 of 2643 Top 17.9% in $100M-$1B

Top Weaknesses (3 metrics)

2491

Non-Interest-Bearing Deposit Share

funding

Value: 7.04%

Peer Median: 22.03%

#2491 of 2643 Bottom 5.8% in $100M-$1B

2339

Loan-to-Deposit Ratio

liquidity

Value: 98.90%

Peer Median: 77.95%

#2339 of 2643 Bottom 11.5% in $100M-$1B

2272

Tier 1 Capital Ratio

capital

Value: 10.28%

Peer Median: 15.91%

#2272 of 2643 Bottom 14.1% in $100M-$1B