BlastPoint's Banking Scorecard
New Haven Bank
Micro
Specialty: Commercial
CT
FDIC cert 58952
Designations: ✓ Community bank
New Haven, CT
2498
banks in Micro tier nationally
5 in CT
View Micro leaderboard (CT) →
New Haven Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.10% below tier
- - Efficiency Ratio 32.26% above tier
- - Loan-to-Deposit Ratio 34.08% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$200.9M
+0.6% YoY
+3.8% QoQ
|
-$16.6M |
$217.5M
+2.3% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$166.8M
-0.6% YoY
+1.1% QoQ
|
+$27.6M |
$139.2M
+2.8% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$153.6M
+5.9% YoY
+5.2% QoQ
|
-$30.1M |
$183.7M
+1.8% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
-0.01%
+99.3% YoY
+91.3% QoQ
|
-1.10% |
1.08%
+14.7% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.85%
+13.8% YoY
+3.5% QoQ
|
-1.00% |
3.85%
+6.6% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
99.98%
-21.6% YoY
-5.5% QoQ
|
+32.26% |
67.73%
-4.8% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.32%
-1.5% QoQ
|
-0.32% |
0.64%
+24.4% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
108.60%
-6.1% YoY
-3.9% QoQ
|
+34.08% |
74.53%
+0.5% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.22%
+20.9% YoY
+8.7% QoQ
|
-3.18% |
22.39%
-1.3% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.26%
-4.0% QoQ
|
-0.19% |
0.45%
+25.1% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
10.52%
-0.2% YoY
-0.3% QoQ
|
+1.67% |
8.85%
-3.4% YoY
|
9.58%
+5.3% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.12%
+257.0% YoY
+29.0% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.01%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
99.98%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
108.60%
(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
66
66th pctile
Total Loans
Current: $166.8M · Tier avg: $139.2M
54
54th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.64%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.52% · Tier avg: 8.85%
52
52th pctile
Total Assets
Current: $200.9M · Tier avg: $217.5M
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
46
46th pctile
Total Deposits
Current: $153.6M · Tier avg: $183.7M
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.22% · Tier avg: 22.39%
12
12th pctile
Net Interest Margin
Current: 2.85% · Tier avg: 3.85%
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
6
6th pctile
Return on Assets
Current: -0.01% · Tier avg: 1.08%
5
5th pctile
Efficiency Ratio
Current: 99.98% · Tier avg: 67.73%
4
4th pctile
Loan-to-Deposit Ratio
Current: 108.60% · Tier avg: 74.53%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 108.60% · Tier avg: 74.53%
5
5th pctile
Efficiency Ratio
Current: 99.98% · Tier avg: 67.73%
6
6th pctile
Return on Assets
Current: -0.01% · Tier avg: 1.08%
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
12
12th pctile
Net Interest Margin
Current: 2.85% · Tier avg: 3.85%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.22% · Tier avg: 22.39%
46
46th pctile
Total Deposits
Current: $153.6M · Tier avg: $183.7M
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
52
52th pctile
Total Assets
Current: $200.9M · Tier avg: $217.5M
53
53th pctile
Tier 1 Capital Ratio
Current: 10.52% · Tier avg: 8.85%
54
54th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.64%
66
66th pctile
Total Loans
Current: $166.8M · Tier avg: $139.2M