BlastPoint's Banking Scorecard
Bankwell Bank
Community
Specialty: Commercial
CT
FDIC cert 57368
New Canaan, CT
1484
banks in Community tier nationally
21 in CT
View Community leaderboard (CT) →
Bankwell 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
- - Liquidity Strain: Bottom 42% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.4B
+2.7% YoY
+3.6% QoQ
|
+$2.0B |
$1.4B
+2.0% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$2.8B
+4.9% YoY
+4.5% QoQ
|
+$1.8B |
$975.5M
+2.4% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$2.9B
+1.9% YoY
+2.9% QoQ
|
+$1.7B |
$1.2B
+1.7% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
1.27%
+134.9% YoY
+0.2% QoQ
|
+0.10% |
1.16%
+17.2% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
3.30%
+15.6% YoY
+2.2% QoQ
|
-0.37% |
3.66%
+9.1% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
48.21%
-3.5% YoY
-2.5% QoQ
|
-14.43% |
62.63%
-5.3% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.58%
-70.8% YoY
-8.0% QoQ
|
-0.05% |
0.63%
+18.3% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
98.36%
+3.0% YoY
+1.6% QoQ
|
+15.30% |
83.06%
+0.3% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
14.16%
+23.1% YoY
-1.3% QoQ
|
-6.89% |
21.05%
-0.9% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.49%
-74.2% YoY
-13.7% QoQ
|
-0.01% |
0.50%
+20.3% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
11.87%
+2.0% YoY
-4.2% QoQ
|
+1.62% |
10.24%
-0.6% YoY
|
9.58%
+5.3% YoY
|
9.75%
-1.9% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.28%
+143.2% YoY
+49.8% QoQ
|
-0.46% |
0.74%
-1.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#217 of 513 · Bottom 42% 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:
98.36%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
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
97
97th pctile
Total Loans
Current: $2.8B · Tier avg: $975.5M
94
94th pctile
Total Deposits
Current: $2.9B · Tier avg: $1.2B
94
94th pctile
Total Assets
Current: $3.4B · Tier avg: $1.4B
87
87th pctile
Efficiency Ratio
Current: 48.21% · Tier avg: 62.63%
84
84th pctile
Loan-to-Deposit Ratio
Current: 98.36% · Tier avg: 83.06%
60
60th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.87% · Tier avg: 10.24%
41
41th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.63%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.50%
30
30th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.16% · Tier avg: 21.05%
20
20th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
Top Weaknesses
20
20th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.16% · Tier avg: 21.05%
30
30th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.50%
41
41th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.63%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.87% · Tier avg: 10.24%
60
60th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
84
84th pctile
Loan-to-Deposit Ratio
Current: 98.36% · Tier avg: 83.06%
87
87th pctile
Efficiency Ratio
Current: 48.21% · Tier avg: 62.63%
94
94th pctile
Total Assets
Current: $3.4B · Tier avg: $1.4B
94
94th pctile
Total Deposits
Current: $2.9B · Tier avg: $1.2B
97
97th pctile
Total Loans
Current: $2.8B · Tier avg: $975.5M