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

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 +5.1% year over year ($155.1M on the books).
Delinquency rate 0.27%.
Return on assets 0.18%.
Efficiency ratio 94.36% vs a 64.48% peer average.
Loan-to-deposit ratio 107.61% 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) →

New Haven Bank has 1 strength but faces 6 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 0.65% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 42.2% in tier
- Return on Assets 1.15% below tier average
- Efficiency Ratio 29.88% above tier average
- Loan-to-Deposit Ratio 29.66% above tier average
- Non-Interest Income / Assets 0.56% below tier average
- Net Interest Margin 0.74% below tier average

Get updates when New Haven 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 ?	$200.0M +3.1% YoY +0.9% QoQ	-$186.5M	$386.6M +1.2% YoY	$4.8B +5.5% YoY	$6.3B +7.7% YoY	27%
Total Loans ?	$166.9M +1.6% YoY +0.0% QoQ	-$91.4M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	40%
Total Deposits ?	$155.1M +5.1% YoY +1.0% QoQ	-$171.6M	$326.7M +0.7% YoY	$3.9B +6.2% YoY	$4.9B +7.3% YoY	23%
Return on Assets ?	0.18% +155.6% YoY +48.2% QoQ	-1.15%	1.32% +10.8% YoY	1.11% +57.7% YoY	1.30% +12.1% YoY	Bottom 5.1% in tier
Net Interest Margin ?	3.25% +23.6% YoY +1.3% QoQ	-0.74%	3.99% +5.0% YoY	3.44% +11.6% YoY	3.95% +4.9% YoY	18%
Efficiency Ratio ?	94.36% -15.8% YoY -1.9% QoQ	+29.88%	64.48% -3.2% YoY	72.27% -70.9% YoY	70.05% +2.5% YoY	Bottom 3.4% in tier
Delinquency Rate ?	0.27% -15.8% YoY -14.2% QoQ	-0.65%	0.92% +15.7% YoY	0.70% -4.9% YoY	0.98% +16.3% YoY	59%
Loan-to-Deposit Ratio ?	107.61% -3.4% YoY -1.0% QoQ	+29.66%	77.95% +1.0% YoY	91.71% +1.4% YoY	79.03% +2.3% YoY	Bottom 4.4% in tier
Non-Interest-Bearing Deposit Share ?	17.11% +15.8% YoY -3.1% QoQ	-4.92%	22.03% -0.6% YoY	22.06% +1.6% YoY	21.98% -0.6% YoY	33%
Nonperforming Asset Ratio ?	0.23% -17.1% YoY -15.0% QoQ	-0.44%	0.67% +16.4% YoY	0.53% -3.6% YoY	0.69% +15.8% YoY	58%
Tier 1 Capital Ratio ?	10.70% +2.0% YoY +1.0% QoQ	-5.21%	15.91% +1.4% YoY	14.05% -0.0% YoY	17.09% +0.8% YoY	19%
Non-Interest Income / Assets ?	0.01% -85.8% YoY +53.1% QoQ	-0.56%	0.57% +7.6% YoY	0.35% +5.1% YoY	0.66% +5.2% YoY	Bottom 0.8% 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	17.1% +2.3pp YoY -0.5pp QoQ	-5.0pp	22.1%	22.1%	22.2%	32%
Brokered Deposits	0.0% -1.9pp YoY 0.0pp QoQ	-7.9pp	7.9%	8.1%	8.5%	3%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
C&I	23.8% -0.6pp YoY +0.1pp QoQ	+12.2pp	11.6%	11.4%	12.5%	92%
CRE	n/a	n/a	39.5%	42.4%	41.4%	n/a
1-4 Family	20.9% -1.8pp YoY -0.3pp QoQ	-11.7pp	32.6%	42.2%	31.3%	32%
Consumer	9.5% -0.5pp YoY +0.5pp QoQ	+5.3pp	4.1%	4.1%	5.0%	91%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
CET1 Ratio	10.7% +0.2pp YoY +0.1pp QoQ	-8.1pp	18.8%	15.0%	19.7%	6%
Leverage Ratio	8.2% +0.1pp YoY 0.0pp QoQ	-3.9pp	12.2%	12.7%	12.6%	3%
Total Capital Ratio	11.9% +0.2pp YoY +0.1pp QoQ	-8.0pp	19.9%	16.0%	20.8%	7%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Full-Time Employees	23 0 YoY 0 QoQ	-36	58	342	482	15%
Assets per Employee ($)	$8.7M +3.1% YoY +0.9% QoQ	+$1.2M	$7.5M	$9.9M	$8.8M	76%
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	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.3% 0.0pp QoQ	-0.7pp	0.9%	0.7%	1.0%	36%
Allowance Coverage	4.19x +19.1% YoY +16.3% QoQ	-19.96x	24.15x	4.87x	20.23x	66%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	57%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
ROE	2.2% +6.2pp YoY +0.7pp QoQ	-10.0pp	12.2%	8.2%	11.6%	6%
Cost of Funds (YTD)	2.3% -0.4pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.7%	1.7%	85%
Net Income ($, YTD)	$175,000 +156.3% YoY — QoQ	-$2.4M	$2.6M	$28.0M	$40.4M	5%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk

#280 of 661 • Bottom 42.2% 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: 10.70%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | 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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

2622

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.57%

#2622 of 2643 Bottom 0.8% in $100M-$1B

2555

Efficiency Ratio

profitability

Value: 94.36%

Peer Median: 64.48%

#2555 of 2643 Bottom 3.4% in $100M-$1B

2527

Loan-to-Deposit Ratio

liquidity

Value: 107.61%

Peer Median: 77.95%

#2527 of 2643 Bottom 4.4% in $100M-$1B

2510

Return on Assets

profitability

Value: 0.18%

Peer Median: 1.32%

#2510 of 2643 Bottom 5.1% in $100M-$1B

2180

Net Interest Margin

profitability

Value: 3.25%

Peer Median: 3.99%

#2180 of 2643 Bottom 17.6% in $100M-$1B

2133

Tier 1 Capital Ratio

capital

Value: 10.70%

Peer Median: 15.91%

#2133 of 2643 Bottom 19.3% in $100M-$1B

2046

Total Deposits

size

Value: $155.10M

Peer Median: $326.73M

#2046 of 2643 Bottom 22.6% in $100M-$1B