BlastPoint's Banking Scorecard
Ion Bank
Community
Specialty: Commercial
CT
FDIC cert 18198
Naugatuck, CT
1484
banks in Community tier nationally
21 in CT
View Community leaderboard (CT) →
Ion Bank shows strong momentum with 1 strength and 29.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.51% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+29.4% YoY
-1.3% QoQ
|
+$1.3B |
$1.4B
+2.0% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$2.0B
+25.7% YoY
-0.2% QoQ
|
+$1.1B |
$975.5M
+2.4% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$2.2B
+24.0% YoY
-1.1% QoQ
|
+$1.1B |
$1.2B
+1.7% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
0.79%
+11.5% YoY
-30.1% QoQ
|
-0.37% |
1.16%
+17.2% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
4.19%
+22.4% YoY
+1.2% QoQ
|
+0.52% |
3.66%
+9.1% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
78.63%
-1.5% YoY
+7.2% QoQ
|
+16.00% |
62.63%
-5.3% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.88%
+175.8% YoY
+48.3% QoQ
|
+0.25% |
0.63%
+18.3% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
91.01%
+1.4% YoY
+0.9% QoQ
|
+7.95% |
83.06%
+0.3% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
29.57%
-0.9% YoY
+1.8% QoQ
|
+8.52% |
21.05%
-0.9% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.78%
+57.5% YoY
+24.5% QoQ
|
+0.28% |
0.50%
+20.3% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
14.87%
+18.7% YoY
-5.8% QoQ
|
+4.63% |
10.24%
-0.6% YoY
|
9.58%
+5.3% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
1.25%
+8.5% YoY
+15.5% QoQ
|
+0.51% |
0.74%
-1.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 9%
in Community
Why this stands out
Current:
1.25%
(Tier avg: 0.74%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
91
91th pctile
Non-Interest Income / Assets
Current: 1.25% · Tier avg: 0.74%
90
90th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
88
88th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.57% · Tier avg: 21.05%
77
77th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.66%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.87% · Tier avg: 10.24%
67
67th pctile
Loan-to-Deposit Ratio
Current: 91.01% · Tier avg: 83.06%
30
30th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.63%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.78% · Tier avg: 0.50%
24
24th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.16%
12
12th pctile
Efficiency Ratio
Current: 78.63% · Tier avg: 62.63%
Top Weaknesses
12
12th pctile
Efficiency Ratio
Current: 78.63% · Tier avg: 62.63%
24
24th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.16%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.78% · Tier avg: 0.50%
30
30th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.63%
67
67th pctile
Loan-to-Deposit Ratio
Current: 91.01% · Tier avg: 83.06%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.87% · Tier avg: 10.24%
77
77th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.66%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.57% · Tier avg: 21.05%
88
88th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
88
88th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
90
90th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
91
91th pctile
Non-Interest Income / Assets
Current: 1.25% · Tier avg: 0.74%