BlastPoint's Banking Scorecard
Ascend Bank
Community
Specialty: Commercial
CT
FDIC cert 18194
Guilford, CT
1484
banks in Community tier nationally
21 in CT
View Community leaderboard (CT) →
Ascend 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
- - Efficiency Drag: Bottom 59% in Community
- - Return on Assets 0.81% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+25.2% YoY
+1.2% QoQ
|
+$63.6M |
$1.4B
+2.0% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$1.1B
+32.3% YoY
+1.7% QoQ
|
+$154.2M |
$975.5M
+2.4% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$1.3B
+26.1% YoY
+0.6% QoQ
|
+$120.3M |
$1.2B
+1.7% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
0.35%
+104.6% YoY
+43.2% QoQ
|
-0.81% |
1.16%
+17.2% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
3.18%
+28.2% YoY
+5.2% QoQ
|
-0.48% |
3.66%
+9.1% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
85.58%
-7.3% YoY
-2.6% QoQ
|
+22.95% |
62.63%
-5.3% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.36%
+50.3% YoY
+21.4% QoQ
|
-0.26% |
0.63%
+18.3% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
87.92%
+4.9% YoY
+1.1% QoQ
|
+4.86% |
83.06%
+0.3% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
12.73%
+23.9% YoY
-6.1% QoQ
|
-8.32% |
21.05%
-0.9% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.28%
+58.8% YoY
+22.0% QoQ
|
-0.22% |
0.50%
+20.3% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
56% |
| 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 ? |
0.59%
+1.3% YoY
+44.7% QoQ
|
-0.15% |
0.74%
-1.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Efficiency Drag
risk
#90 of 152 · Bottom 59% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
85.58%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
Return on Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.35%
(Tier avg: 1.16%, National avg: 1.12%)
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%
Top Strengths
73
73th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
68
68th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
59
59th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
59
59th pctile
Loan-to-Deposit Ratio
Current: 87.92% · Tier avg: 83.06%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.50%
56
56th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
24
24th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 3.66%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.73% · Tier avg: 21.05%
7
7th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.16%
5
5th pctile
Efficiency Ratio
Current: 85.58% · Tier avg: 62.63%
Top Weaknesses
5
5th pctile
Efficiency Ratio
Current: 85.58% · Tier avg: 62.63%
7
7th pctile
Return on Assets
Current: 0.35% · Tier avg: 1.16%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.73% · Tier avg: 21.05%
24
24th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
56
56th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.63%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.50%
59
59th pctile
Loan-to-Deposit Ratio
Current: 87.92% · Tier avg: 83.06%
59
59th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
68
68th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
73
73th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M