BlastPoint's Banking Scorecard

Ives Bank

Community Specialty: Commercial CT FDIC cert 15912

Danbury, CT

1484 banks in Community tier nationally 21 in CT

View Community leaderboard (CT) →

Ives Bank faces 2 concerns requiring attention

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 28% in Community
- Liquidity Strain: Bottom 43% in Community

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Total Assets ?	$1.7B +2.1% YoY +0.4% QoQ	+$288.8M	$1.4B +2.0% YoY	$4.5B +6.5% YoY	$5.9B +6.5% YoY	74%
Total Loans ?	$1.4B +2.3% YoY -0.2% QoQ	+$407.2M	$975.5M +2.4% YoY	$3.1B +7.8% YoY	$3.1B +8.5% YoY	79%
Total Deposits ?	$1.4B +6.7% YoY +5.3% QoQ	+$187.8M	$1.2B +1.7% YoY	$3.7B +5.7% YoY	$4.7B +6.3% YoY	73%
Return on Assets ?	0.98% +8.6% YoY +5.3% QoQ	-0.18%	1.16% +17.2% YoY	0.58% +27.4% YoY	1.12% +15.6% YoY	38%
Net Interest Margin ?	3.26% +9.7% YoY +1.9% QoQ	-0.40%	3.66% +9.1% YoY	3.18% +11.7% YoY	3.75% +7.1% YoY	28%
Efficiency Ratio ?	64.82% -4.9% YoY -1.9% QoQ	+2.19%	62.63% -5.3% YoY	75.93% -4.7% YoY	65.09% -5.1% YoY	42%
Delinquency Rate ?	1.47% -19.8% YoY -5.6% QoQ	+0.84%	0.63% +18.3% YoY	0.61% +14.1% YoY	0.66% +20.3% YoY	16%
Loan-to-Deposit Ratio ?	102.24% -4.2% YoY -5.2% QoQ	+19.18%	83.06% +0.3% YoY	93.24% +0.3% YoY	78.04% +0.7% YoY	Bottom 10% in tier
Non-Interest-Bearing Deposit Share ?	29.83% +81.5% YoY +76.6% QoQ	+8.78%	21.05% -0.9% YoY	21.38% +2.3% YoY	21.79% -1.3% YoY	84%
Nonperforming Asset Ratio ?	1.21% -19.7% YoY -6.2% QoQ	+0.71%	0.50% +20.3% YoY	0.44% +31.0% YoY	0.48% +20.8% YoY	15%
Tier 1 Capital Ratio ?	0.00%	-10.24%	10.24% -0.6% YoY	9.58% +5.3% YoY	9.75% -1.9% YoY	29%
Non-Interest Income / Assets ?	0.44% -10.4% YoY +33.7% QoQ	-0.30%	0.74% -1.3% YoY	0.70% +1.7% YoY	0.65% +0.6% YoY	40%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Capital Thin

risk

#123 of 432 · Bottom 28% in Community

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

Why this signature

Tier 1 Risk-Based Capital Ratio: 0.00%

(Tier: 10.24%, National: 9.75%)

worse than tier avg

432 of 432 Community banks match · 505 nationally

→ Stable +11 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#221 of 513 · Bottom 43% in Community

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 102.24%

(Tier: 83.06%, National: 78.04%)

worse than tier avg

513 of 513 Community banks match · 609 nationally

→ Stable -4 banks QoQ | QoQ rank improving

Metric Rankings

How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Non-Interest-Bearing Deposit Share

Current: 29.83% · Tier avg: 21.05%

84th pctile

Total Loans

Current: $1.4B · Tier avg: $975.5M

79th pctile

Total Assets

Current: $1.7B · Tier avg: $1.4B

74th pctile

Total Deposits

Current: $1.4B · Tier avg: $1.2B

73th pctile

Efficiency Ratio

Current: 64.82% · Tier avg: 62.63%

42th pctile

Non-Interest Income / Assets

Current: 0.44% · Tier avg: 0.74%

40th pctile

Return on Assets

Current: 0.98% · Tier avg: 1.16%

38th pctile

Tier 1 Capital Ratio

Current: 0.00% · Tier avg: 10.24%

29th pctile

Net Interest Margin

Current: 3.26% · Tier avg: 3.66%

28th pctile

Delinquency Rate

Current: 1.47% · Tier avg: 0.63%

16th pctile

Nonperforming Asset Ratio

Current: 1.21% · Tier avg: 0.50%

15th pctile

Loan-to-Deposit Ratio

Current: 102.24% · Tier avg: 83.06%

10th pctile

Top Weaknesses