BlastPoint's Banking Scorecard
Jewett City Savings Bank
Micro
Specialty: Commercial
CT
FDIC cert 18237
Designations: ✓ Community bank ✓ Mutual
Jewett City, CT
2498
banks in Micro tier nationally
5 in CT
View Micro leaderboard (CT) →
Jewett City Savings Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 24.79% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$484.6M
+9.4% YoY
+1.7% QoQ
|
+$267.1M |
$217.5M
+2.3% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$388.2M
+8.3% YoY
+0.2% QoQ
|
+$249.1M |
$139.2M
+2.8% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$390.9M
+8.3% YoY
+2.0% QoQ
|
+$207.3M |
$183.7M
+1.8% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
1.09%
+17.6% YoY
+7.0% QoQ
|
0 |
1.08%
+14.7% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
4.52%
+2.7% YoY
+2.1% QoQ
|
+0.67% |
3.85%
+6.6% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
71.09%
+0.2% YoY
+1.4% QoQ
|
+3.36% |
67.73%
-4.8% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
1.30%
+432.6% YoY
-11.3% QoQ
|
+0.67% |
0.64%
+24.4% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
99.32%
+0.0% YoY
-1.8% QoQ
|
+24.79% |
74.53%
+0.5% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.71%
+4.4% YoY
+0.9% QoQ
|
+0.32% |
22.39%
-1.3% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
1.05%
+427.5% YoY
-12.6% QoQ
|
+0.59% |
0.45%
+25.1% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
17.76%
-2.9% YoY
+0.7% QoQ
|
+8.91% |
8.85%
-3.4% YoY
|
9.58%
+5.3% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.63%
-7.4% YoY
+32.1% QoQ
|
+0.07% |
0.56%
+0.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
99.32%
(Tier avg: 74.53%, National avg: 78.04%)
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
99
99th pctile
Total Loans
Current: $388.2M · Tier avg: $139.2M
98
98th pctile
Total Assets
Current: $484.6M · Tier avg: $217.5M
96
96th pctile
Total Deposits
Current: $390.9M · Tier avg: $183.7M
81
81th pctile
Tier 1 Capital Ratio
Current: 17.76% · Tier avg: 8.85%
80
80th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.71% · Tier avg: 22.39%
52
52th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.08%
37
37th pctile
Efficiency Ratio
Current: 71.09% · Tier avg: 67.73%
23
23th pctile
Delinquency Rate
Current: 1.30% · Tier avg: 0.64%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.05% · Tier avg: 0.45%
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.32% · Tier avg: 74.53%
Top Weaknesses
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.32% · Tier avg: 74.53%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.05% · Tier avg: 0.45%
23
23th pctile
Delinquency Rate
Current: 1.30% · Tier avg: 0.64%
37
37th pctile
Efficiency Ratio
Current: 71.09% · Tier avg: 67.73%
52
52th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.08%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.71% · Tier avg: 22.39%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
80
80th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
81
81th pctile
Tier 1 Capital Ratio
Current: 17.76% · Tier avg: 8.85%
96
96th pctile
Total Deposits
Current: $390.9M · Tier avg: $183.7M
98
98th pctile
Total Assets
Current: $484.6M · Tier avg: $217.5M
99
99th pctile
Total Loans
Current: $388.2M · Tier avg: $139.2M