| Metric | DR Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +25.8% | +4.9% | +20.9 pts |
| Deposit growth (YoY) | +26.3% | +4.3% | +22.0 pts |
| Loan growth (YoY) | +23.6% | +5.3% | +18.2 pts |
| ROA | 2.49% | 1.28% | +1.2 pts |
| ROE | 26.1% | 12.4% | +13.7 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $912.6M | $754.5M | $746.2M | $88.0M | $10.8M | 2.49% | 5.28% | 0.11% |
| Q1 2026 | $860.7M | $716.6M | $717.2M | $82.5M | $4.3M | 2.02% | 5.10% | 0.14% |
| Q4 2025 | $838.8M | $702.5M | $693.0M | $78.3M | $12.5M | 1.67% | 5.03% | 0.05% |
| Q3 2025 | $781.6M | $639.3M | $660.7M | $74.2M | $8.5M | 1.57% | 4.86% | 0.04% |
| Q2 2025 | $725.3M | $597.4M | $603.9M | $65.0M | $4.8M | 1.37% | 4.71% | 0.08% |
| Q1 2025 | $711.6M | $591.4M | $589.5M | $61.8M | $1.7M | 0.95% | 4.39% | 0.06% |
| Q4 2024 | $692.0M | $569.4M | $581.2M | $59.2M | $3.1M | 0.47% | 3.57% | 0.02% |
| Q3 2024 | $704.3M | $584.8M | $574.3M | $55.7M | $-108K | -0.02% | 3.41% | 0.02% |
Loan mix (Q2 2026): real estate $255.1M · commercial $6.2M · consumer $490.1M · securities $34.5M
| Ratio | DR Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.49% | 1.28% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 26.1% | 12.4% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.28% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.6% | 61.2% | 20th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | DR Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | DR Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | DR Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | DR Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | DR Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2024) · $597.4M branch deposits. Biggest market: Western Connecticut, CT, ranked 15th with 1.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Western Connecticut, CT | 2 | $597.4M | 1.73% | 15th |
Connecticut: 33rd with 0.40% · Bridgeport-Stamford-Danbury metro: 16th, 1.24% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2