BlastPoint's Banking Scorecard

New Haven Bank

$100M-$1B Specialty: Commercial CT FDIC cert 58952

Designations: ✓ CDFI-certified

New Haven, CT

2 branches across CT

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

New Haven Bank has 1 strength but faces 8 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

+ Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 9.2% in tier
- Capital Thin: Bottom 19.2% in tier
- Credit Quality Pressure: Bottom 40.6% in tier
- Return on Assets 1.15% below tier average
- Efficiency Ratio 30.87% above tier average
- Loan-to-Deposit Ratio 32.07% above tier average
- Non-Interest Income / Assets 0.27% below tier average
- Net Interest Margin 0.72% below tier average

Get updates when New Haven 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 ?	$198.2M +0.2% YoY -1.4% QoQ	-$187.9M	$386.1M +0.5% YoY	$4.6B +6.9% YoY	$6.2B +9.1% YoY	26%
Total Loans ?	$166.9M +0.8% YoY +0.0% QoQ	-$88.9M	$255.7M +1.1% YoY	$3.2B +8.3% YoY	$3.2B +10.8% YoY	40%
Total Deposits ?	$153.5M +5.8% YoY -0.0% QoQ	-$174.5M	$328.0M +0.1% YoY	$3.7B +5.9% YoY	$4.8B +8.2% YoY	22%
Return on Assets ?	0.12% +131.3% YoY +963.8% QoQ	-1.15%	1.27% +12.9% YoY	0.98% +59.4% YoY	1.23% +13.4% YoY	Bottom 5.0% in tier
Net Interest Margin ?	3.21% +26.2% YoY +12.5% QoQ	-0.72%	3.93% +6.0% YoY	3.30% +11.1% YoY	3.89% +5.7% YoY	18%
Efficiency Ratio ?	96.15% -16.4% YoY -3.8% QoQ	+30.87%	65.29% -4.5% YoY	74.04% -0.3% YoY	66.95% -4.1% YoY	Bottom 3.4% in tier
Delinquency Rate ?	0.32% -0.0% QoQ	-0.57%	0.89% +18.8% YoY	0.76% +15.1% YoY	0.95% +18.8% YoY	56%
Loan-to-Deposit Ratio ?	108.71% -4.7% YoY +0.1% QoQ	+32.07%	76.64% +0.8% YoY	87.65% +0.6% YoY	76.70% +0.9% YoY	Bottom 3.5% in tier
Non-Interest-Bearing Deposit Share ?	17.66% +7.2% YoY -8.1% QoQ	-4.36%	22.02% -1.0% YoY	20.48% -2.9% YoY	22.01% -1.2% YoY	35%
Nonperforming Asset Ratio ?	0.27% +1.4% QoQ	-0.37%	0.64% +19.7% YoY	0.54% +14.2% YoY	0.67% +19.3% YoY	53%
Tier 1 Capital Ratio ?	10.60% -0.2% YoY +0.7% QoQ	-5.23%	15.83% +1.5% YoY	15.66% +1.9% YoY	17.06% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.01% -81.1% YoY -95.3% QoQ	-0.27%	0.28% +9.3% YoY	0.74% +3.6% YoY	0.32% +4.1% YoY	Bottom 1.0% in tier

Get Full Access to New Haven Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (3)

Credit Risk Growth

risk

#91 of 973 • Bottom 9.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Capital Thin

risk

#129 of 666 • Bottom 19.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.60%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Credit Quality Pressure

risk

#532 of 1308 • Bottom 40.6% in tier

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

Why this signature

Delinquency Rate: 0.32%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

2638

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.28%

#2638 of 2664 Bottom 1.0% in $100M-$1B

2574

Efficiency Ratio

profitability

Value: 96.15%

Peer Median: 65.29%

#2574 of 2664 Bottom 3.4% in $100M-$1B

2573

Loan-to-Deposit Ratio

liquidity

Value: 108.71%

Peer Median: 76.64%

#2573 of 2664 Bottom 3.5% in $100M-$1B

2531

Return on Assets

profitability

Value: 0.12%

Peer Median: 1.27%

#2531 of 2664 Bottom 5.0% in $100M-$1B

2195

Tier 1 Capital Ratio

capital

Value: 10.60%

Peer Median: 15.83%

#2195 of 2664 Bottom 17.6% in $100M-$1B

2194

Net Interest Margin

profitability

Value: 3.21%

Peer Median: 3.93%

#2194 of 2664 Bottom 17.7% in $100M-$1B

2072

Total Deposits

size

Value: $153.50M

Peer Median: $327.97M

#2072 of 2664 Bottom 22.3% in $100M-$1B