BlastPoint's Banking Scorecard
DR Bank
Community
Specialty: Consumer
CT
FDIC cert 58257
Darien, CT
1484
banks in Community tier nationally
21 in CT
View Community leaderboard (CT) →
DR Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 10% in Community
- + Credit Quality Leader: Top 23% in Community
- + Revenue Diversifier: Top 47% in Community
- + Net Interest Margin 1.37% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6% in Community
- - Non-Interest-Bearing Deposit Share 14.31% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$838.8M
+21.2% YoY
+7.3% QoQ
|
-$552.7M |
$1.4B
+2.0% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$693.0M
+19.2% YoY
+4.9% QoQ
|
-$282.5M |
$975.5M
+2.4% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$702.5M
+23.4% YoY
+9.9% QoQ
|
-$462.1M |
$1.2B
+1.7% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
1.67%
+256.1% YoY
+6.4% QoQ
|
+0.50% |
1.16%
+17.2% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
5.03%
+40.9% YoY
+3.6% QoQ
|
+1.37% |
3.66%
+9.1% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
58.68%
-25.7% YoY
-4.3% QoQ
|
-3.95% |
62.63%
-5.3% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
0.06%
+128.1% YoY
+19.8% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
Top 13% in tier |
| Loan-to-Deposit Ratio ? |
98.64%
-3.4% YoY
-4.6% QoQ
|
+15.58% |
83.06%
+0.3% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
6.74%
-14.2% YoY
-1.2% QoQ
|
-14.31% |
21.05%
-0.9% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.05%
+124.3% YoY
+17.1% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
Top 14% 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 ? |
0.97%
+45.3% YoY
+39.3% QoQ
|
+0.23% |
0.74%
-1.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
85% |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#37 of 371 · Top 10% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.67%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Credit Quality Leader
growth
#85 of 371 · Top 23% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#176 of 371 · Top 47% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
0.97%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.67%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Top 5%
in Community
Why this stands out
Current:
5.03%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (2)
Credit Quality Pressure
risk
#49 of 808 · Bottom 6% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Community
Why this stands out
Current:
6.74%
(Tier avg: 21.05%, National avg: 21.79%)
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
95
95th pctile
Net Interest Margin
Current: 5.03% · Tier avg: 3.66%
87
87th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
85
85th pctile
Non-Interest Income / Assets
Current: 0.97% · Tier avg: 0.74%
85
85th pctile
Loan-to-Deposit Ratio
Current: 98.64% · Tier avg: 83.06%
82
82th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.16%
62
62th pctile
Efficiency Ratio
Current: 58.68% · Tier avg: 62.63%
49
49th pctile
Total Loans
Current: $693.0M · Tier avg: $975.5M
38
38th pctile
Total Deposits
Current: $702.5M · Tier avg: $1.2B
38
38th pctile
Total Assets
Current: $838.8M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.74% · Tier avg: 21.05%
Top Weaknesses
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 6.74% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
38
38th pctile
Total Assets
Current: $838.8M · Tier avg: $1.4B
38
38th pctile
Total Deposits
Current: $702.5M · Tier avg: $1.2B
49
49th pctile
Total Loans
Current: $693.0M · Tier avg: $975.5M
62
62th pctile
Efficiency Ratio
Current: 58.68% · Tier avg: 62.63%
82
82th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.16%
85
85th pctile
Loan-to-Deposit Ratio
Current: 98.64% · Tier avg: 83.06%
85
85th pctile
Non-Interest Income / Assets
Current: 0.97% · Tier avg: 0.74%
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
87
87th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
95
95th pctile
Net Interest Margin
Current: 5.03% · Tier avg: 3.66%