Dr Bank
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Data as of · sourced from FFIEC call reports. How we update
Dr Bank is an FDIC-insured commercial bank headquartered in Darien, CT, established in 2006 (FDIC certificate 58257), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $912.6M, up 25.8% from Q2 2025, the 16th largest of 27 banks headquartered in Connecticut. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.28% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58257
- Headquarters
- Darien, CT
- Established
- 2006
- Total assets, Q2 2026
- $912.6M
- Assets vs Q2 2025
- +25.8%
- Tier 1 leverage ratio, Q2 2026
- 10.28%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 021114111
- Holding company
- ALCAR INC.
- Asset rank in state
- 16th of 27 in Connecticut
Dr Bank is one of the more profitable banks of its size. It reported $913 million in assets at June 30, 2026, up 25.8% from a year earlier. It earns about $3.02 a year on every $100 of assets, 2.4 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 5.40 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents). Much of that comes from cost control: it spends about 48 cents to bring in each dollar of revenue.
Earnings jumped: net income for the quarter was $6.5 million, 106% above the same quarter a year earlier. Funding is the softer spot: it pays an average of 3.33% on its deposits and borrowings, about double the median of 1.80% for banks its size.
As of June 30, 2026, Dr Bank reported a return on assets of 3.02%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 1.10%. The figures come from its call report filed with the FFIEC.
Of the 27 banks headquartered in Connecticut, Dr Bank is the 16th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 6.0% to $912.6M, loans rose 4.0% and deposits rose 5.3%. The largest part of its loan book on June 30, 2026 was other consumer loans, at 65.2% of total loans, ahead of 1-4 family residential loans at 15.7%. The FDIC Summary of Deposits lists 2 offices for it, in Darien, CT and Norwalk, CT; its Darien office books 91% of its branch deposits. Judged on its Q2 2026 call report, Dr Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1001 Post Rd, Darien, CT 06820
- County
- Western Connecticut
- Metro Area
- Bridgeport-Stamford-Danbury, CT
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 24, 2006
- Former names
- Laurel Road Bank (2018-2019)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 89
- Domestic deposits
- $754.5M
- Allowance for credit losses
- $5.2M
- Net charge-offs (YTD)
- $1.1M
- Average total assets
- $865.5M
- Average total loans
- $737.0M
- Average interest-bearing deposits
- $689.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 24, 2006
- FDIC Cert
- 58257
- Fed RSSD
- 3428258
- Website
- www.drbank.com →
- Parent Holding Company
- ALCAR INC. (RSSD 3958821)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Dr Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Dr Bank's total assets ran between $551.5M (Q3 2023) and $912.6M (Q2 2026), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$912.6M total assets against $725.3M; $824.6M total liabilities against $660.2M.
$746.2M net loans and leases against $603.9M; $754.5M total deposits against $597.4M.
$34.5M securities against $44.1M; $74.2M cash and balances due against $27.5M.
$17.9M total interest income against $14.6M; $6.5M total interest expense against $6.2M.
$11.3M net interest income against $8.4M.
$5.2M total noninterest income against $1.8M; $7.9M total noninterest expense against $5.8M.
$71K provision for credit losses against $346K.
$6.5M net income against $3.2M.
3.02% return on assets against 1.76%; 5.40% net interest margin against 4.98%.
10.28% tier 1 leverage ratio against 9.23%.
Inside the full Dr Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeDr Bank rankings
Its closest position to the top of a national ranking is 72 of 3,611, for ROA; its furthest is 2,634 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.44% (Q3 2024) to 3.02% (Q2 2026) and its net interest margin ran from 3.69% (Q3 2024) to 5.45% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.28% | 3.02% | 0.14% | 1.10% | 5.40% |
| Q1 2026 | 10.19% | 2.09% | 0.17% | 1.41% | 5.09% |
| Q4 2025 | 10.22% | 2.04% | 0.06% | 0.50% | 5.45% |
| Q3 2025 | 10.22% | 2.01% | 0.05% | 0.42% | 5.11% |
| Q2 2025 | 9.23% | 1.76% | 0.09% | 0.79% | 4.98% |
| Q1 2025 | 9.05% | 0.95% | 0.07% | 0.66% | 4.37% |
| Q4 2024 | 9.03% | 1.85% | 0.03% | 0.24% | 3.94% |
| Q3 2024 | 8.35% | 0.44% | 0.03% | 0.26% | 3.69% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Dr Bank (main office) | Darien , CT | 06820 | $687.7M |
| Rowayton Branch | Norwalk , CT | 06853 | $66.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in CT, rank 27 of 46 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 74 applications, 22 loans originated, $9.3M originated, across 22 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $700K approved, $700K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Dr Bank
What are Dr Bank's total assets?
As of the Q2 2026 filing, Dr Bank reported total assets of $912.6 million in its FFIEC call report.
Where is Dr Bank headquartered?
It is headquartered in Darien, CT, United States.
When was Dr Bank founded?
It was established in 2006, per the FDIC institution directory.
Is Dr Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58257). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dr Bank?
Dr Bank's primary federal regulator is the FDIC.
How many branches does Dr Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Dr Bank's Texas Ratio?
Its Texas Ratio is 1.10% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Dr Bank previously called?
The charter now named Dr Bank has also operated as Laurel Road Bank (2018-2019), per FDIC structure-change records.
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