Dr Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Return on equity: 9.39 percentage points higher than in Q1 2026, at 30.71%. Among 27 Connecticut banks, Dr Bank sits 3rd from the top on return on assets, 3.02% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Dr Bank reported 3.02% on return on assets in Q2 2026, 1.77 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.28% |
| Equity capital to assets | 9.64% |
| Tangible equity to tangible assets | 9.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.17% |
| Non-performing assets ratio | 0.97% |
| Net charge-off ratio | 0.24% |
| Texas ratio | 1.10% |
| Allowance for credit losses to loans | 0.69% |
| Reserve coverage of non-performing loans | 58.48% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.02% |
| Return on equity | 30.71% |
| Net interest margin | 5.40% |
| Efficiency ratio | 47.97% |
| Yield on earning assets | 8.51% |
| Cost of funds | 3.33% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.59% |
| Core deposits to total deposits | 69.47% |
| Brokered deposits to total deposits | 17.12% |
| Deposits to assets | 82.68% |
| Securities to assets | 3.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 8.79% | -0.48% | 2.85% | 0.04% | 0.06% |
| Q4 2023 | 10.06% | -0.02% | 2.95% | 0.03% | 0.01% |
| Q1 2024 | 9.29% | -0.40% | 3.24% | 0.03% | 0.20% |
| Q2 2024 | 9.06% | -0.16% | 3.11% | 0.97% | 0.19% |
| Q3 2024 | 8.35% | 0.44% | 3.69% | 0.68% | 0.18% |
| Q4 2024 | 9.03% | 1.85% | 3.94% | 2.01% | 0.03% |
| Q1 2025 | 9.05% | 0.95% | 4.37% | 0.03% | 0.11% |
| Q2 2025 | 9.23% | 1.76% | 4.98% | 0.89% | 0.21% |
| Q3 2025 | 10.22% | 2.01% | 5.11% | 1.36% | 0.26% |
| Q4 2025 | 10.22% | 2.04% | 5.45% | 1.24% | 0.14% |
| Q1 2026 | 10.19% | 2.09% | 5.09% | 1.25% | 0.39% |
| Q2 2026 | 10.28% | 3.02% | 5.40% | 1.17% | 0.24% |
Dr Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Dr Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Dr Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58257) · FFIEC NIC profile (RSSD 3428258)