BlastPoint's Banking Scorecard
Connecticut Community Bank, National Association
Community
Specialty: Commercial
CT
FDIC cert 34876
Norwalk, CT
1484
banks in Community tier nationally
21 in CT
View Community leaderboard (CT) →
Connecticut Community Bank, National Association has 3 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 31% in Community
- + Delinquency Rate 0.60% below tier
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 7% in Community
- - Flatlined Growth: Bottom 7% in Community
- - Capital Thin: Bottom 12% in Community
- - Deposit Outflow: Bottom 39% in Community
- - Non-Interest Income / Assets 0.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$524.4M
-0.6% YoY
+0.3% QoQ
|
-$867.1M |
$1.4B
+2.0% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$293.9M
-7.7% YoY
-1.0% QoQ
|
-$681.6M |
$975.5M
+2.4% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$445.2M
-1.8% YoY
+0.3% QoQ
|
-$719.4M |
$1.2B
+1.7% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
0.54%
-29.1% YoY
-9.1% QoQ
|
-0.62% |
1.16%
+17.2% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
4.41%
-3.8% YoY
-0.4% QoQ
|
+0.75% |
3.66%
+9.1% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
85% |
| Efficiency Ratio ? |
83.23%
+4.9% YoY
+2.0% QoQ
|
+20.60% |
62.63%
-5.3% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.03%
-96.2% YoY
+65.1% QoQ
|
-0.60% |
0.63%
+18.3% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
Top 10% in tier |
| Loan-to-Deposit Ratio ? |
66.01%
-6.0% YoY
-1.3% QoQ
|
-17.06% |
83.06%
+0.3% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
40.28%
-2.1% YoY
-4.3% QoQ
|
+19.24% |
21.05%
-0.9% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-96.5% YoY
+62.8% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
Top 9% in tier |
| 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 ? |
0.15%
+7.0% YoY
+33.5% QoQ
|
-0.59% |
0.74%
-1.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (3)
Deposit Franchise
growth
#47 of 150 · Top 31% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
40.28%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.41%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
Delinquency Rate
metric
Top 10%
in Community
Why this stands out
Current:
0.03%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 9%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (5)
Efficiency Drag
risk
#11 of 152 · Bottom 7% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
83.23%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#18 of 245 · Bottom 7% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.54%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Capital Thin
risk
#51 of 432 · Bottom 12% 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%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Deposit Outflow
decline
#98 of 248 · Bottom 39% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Non-Interest Income / Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.15%
(Tier avg: 0.74%, National avg: 0.65%)
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
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 40.28% · Tier avg: 21.05%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
90
90th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
85
85th pctile
Loan-to-Deposit Ratio
Current: 66.01% · Tier avg: 83.06%
85
85th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
13
13th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.16%
7
7th pctile
Efficiency Ratio
Current: 83.23% · Tier avg: 62.63%
6
6th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
5
5th pctile
Total Loans
Current: $293.9M · Tier avg: $975.5M
4
4th pctile
Total Deposits
Current: $445.2M · Tier avg: $1.2B
4
4th pctile
Total Assets
Current: $524.4M · Tier avg: $1.4B
Top Weaknesses
4
4th pctile
Total Assets
Current: $524.4M · Tier avg: $1.4B
4
4th pctile
Total Deposits
Current: $445.2M · Tier avg: $1.2B
5
5th pctile
Total Loans
Current: $293.9M · Tier avg: $975.5M
6
6th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
7
7th pctile
Efficiency Ratio
Current: 83.23% · Tier avg: 62.63%
13
13th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
85
85th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.66%
85
85th pctile
Loan-to-Deposit Ratio
Current: 66.01% · Tier avg: 83.06%
90
90th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 40.28% · Tier avg: 21.05%