ION Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks ION Bank of Naugatuck, CT against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.01% | 1.46% | -0.45% | 30th below |
| ROAE | 8.22% | 12.72% | -4.50% | 21st bottom |
| Net Interest Margin | 4.24% | 3.85% | +0.39% | 81st top |
| Efficiency Ratio | 71.72% | 57.39% | +14.33% | 18th bottom |
| PPNR / Avg Assets | 1.32% | 1.88% | -0.56% | 28th below |
| Yield on Earning Assets | 5.50% | 5.72% | -0.22% | 48th below |
| Cost of Funds | 1.40% | 2.02% | -0.62% | 84th top |
| Net Interest Spread | 3.55% | 3.18% | +0.37% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.49% | 1.00% | +0.49% | 18th bottom |
| NPA / Total Assets | 1.27% | 0.76% | +0.51% | 17th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.43% | -0.34% | 31st below |
| ACL / Total Loans | 1.11% | 1.31% | -0.20% | 43rd below |
| ACL / NPLs (Coverage) | 74.25% | 543.87% | -469.62% | 18th bottom |
| Texas Ratio | 10.31% | 7.39% | +2.92% | 23rd bottom |
| Provision / NCO | 101.35% | 619.26% | -517.91% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.75% | 17.34% | -1.59% | 77th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.75% | 17.37% | -1.62% | 76th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.82% | 18.42% | -1.60% | 76th top |
| Leverage Ratio | 11.91% | 11.44% | +0.47% | 75th top |
| Equity / Assets | 12.26% | 11.33% | +0.93% | 78th top |
| TCE / Tangible Assets | 11.65% | 10.50% | +1.15% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 88.30% | 86.95% | +1.35% | 50th above |
| Core Deposit Ratio | 97.54% | 85.54% | +12.00% | 95th top |
| Uninsured Deposit Ratio | 21.70% | 33.13% | -11.43% | 80th top |
| Wholesale Funding Ratio | 2.68% | 5.71% | -3.03% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.14% | 9.69% | -9.83% | 15th bottom |
| Loan Growth (Y/Y) | -0.98% | 8.07% | -9.05% | 13th bottom |
| Deposit Growth (Y/Y) | -0.12% | 7.88% | -8.00% | 18th bottom |
See ION Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock ION Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full ION Bank profile, how to read a UBPR, or how this data updates.