Ives Bank
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Data as of · sourced from FFIEC call reports. How we update
Ives Bank is an FDIC-insured savings bank headquartered in Danbury, CT, established in 1849 (FDIC certificate 15912), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.73B, up 4.9% from Q2 2025, the 10th largest of 27 banks headquartered in Connecticut. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.87% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15912
- Headquarters
- Danbury, CT
- Established
- 1849
- Total assets, Q2 2026
- $1.73B
- Assets vs Q2 2025
- +4.9%
- Tier 1 leverage ratio, Q2 2026
- 13.87%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 221172238
- Holding company
- IVES MUTUAL HOLDING COMPANY, INC.
- Asset rank in state
- 10th of 27 in Connecticut
Ives Bank carries far more capital than most banks of its size. Based in Danbury, Connecticut, it had $1.7 billion in assets at June 30, 2026, up 4.9% from a year earlier. It funds 13.87% of its assets with Tier 1 capital, higher than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also holds commercial real estate loans worth 1.4 times its capital, lower than about three-quarters of banks its size (median 2.2 times).
Net income for the quarter rose 17% from a year earlier, to $5.0 million. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.35% of loans, down from 1.60% a year earlier. Profitability lags: it returns 8.7% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, Ives Bank reported a return on assets of 1.17%, a nonperforming-loan ratio of 1.41% and a Texas ratio of 7.84%. The figures come from its call report filed with the FFIEC.
Ives Bank ranks as the 10th largest of the 27 banks based in Connecticut, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.3% to $1.73B, loans rose 2.0% and deposits rose 1.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 59.4% of total loans, followed by non-owner-occupied commercial real estate loans at 13.1%. Its 16 offices in the FDIC Summary of Deposits are in 10 cities in CT; its Danbury 5 offices book 43% of its branch deposits. By the capital ratios in its Q2 2026 call report, Ives Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 220 Main St, Danbury, CT 06810
- County
- Western Connecticut
- Metro Area
- Bridgeport-Stamford-Danbury, CT
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- June 26, 1849
- Former names
- Savings Bank of Danbury (2006-2024)
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 188
- Domestic deposits
- $1.37B
- Allowance for credit losses
- $18.7M
- Net charge-offs (YTD)
- -$14K
- Average total assets
- $1.70B
- Average total loans
- $1.42B
- Average interest-bearing deposits
- $1.22B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 25, 1942
- FDIC Cert
- 15912
- Fed RSSD
- 626101
- Website
- www.ivesbank.com →
- Parent Holding Company
- IVES MUTUAL HOLDING COMPANY, INC. (RSSD 5471360)
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, Ives Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Ives Bank's total assets moved between a low of $1.50B (Q3 2023) and a high of $1.73B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.73B total assets against $1.65B; $1.50B total liabilities against $1.44B.
$1.42B net loans and leases against $1.36B; $1.37B total deposits against $1.27B.
$144.2M securities against $126.4M; $50.5M cash and balances due against $67.9M.
$22.0M total interest income against $20.9M; $8.1M total interest expense against $8.4M.
$13.9M net interest income against $12.5M.
$1.8M total noninterest income against $1.9M; $9.9M total noninterest expense against $9.4M.
$378K provision for credit losses against $19K.
$5.0M net income against $4.2M.
1.17% return on assets against 1.04%; 3.46% net interest margin against 3.21%.
13.87% tier 1 leverage ratio against 13.36%.
Inside the full Ives Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Ives Bank rankings
Its closest position to the top of a national ranking is 652 of 4,196, for total assets; its furthest is 2,184 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.79% (Q4 2024) to 1.17% (Q2 2026) and its net interest margin ran from 2.85% (Q3 2024) to 3.46% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.87% | 1.17% | 1.41% | 7.84% | 3.46% |
| Q1 2026 | 13.84% | 1.02% | 1.42% | 7.85% | 3.42% |
| Q4 2025 | 13.61% | 1.13% | 1.45% | 7.99% | 3.40% |
| Q3 2025 | 13.47% | 0.98% | 1.54% | 8.61% | 3.25% |
| Q2 2025 | 13.36% | 1.04% | 1.70% | 9.63% | 3.21% |
| Q1 2025 | 13.15% | 0.81% | 1.72% | 9.78% | 3.04% |
| Q4 2024 | 12.85% | 0.79% | 1.81% | 10.57% | 3.04% |
| Q3 2024 | 12.77% | 1.02% | 1.71% | 10.61% | 2.85% |
Swipe the table sideways to see every column.
Branch Network
View all 16 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 |
|---|---|---|---|
| Ives Bank (main office) | Danbury , CT | 06810 | $223.6M |
| Brookfield Branch | Brookfield , CT | 06804 | $131.0M |
| Bethel Branch | Bethel , CT | 06801 | $126.5M |
| West Street Branch | Danbury , CT | 06810 | $113.6M |
| New Fairfield Branch | New Fairfield , CT | 06812 | $94.4M |
| Mill Plain Road Branch | Danbury , CT | 06811 | $94.3M |
| New Milford Branch | New Milford , CT | 06776 | $82.3M |
| Hayestown Branch | Danbury , CT | 06811 | $81.9M |
| Plumtrees Plaza Branch | Danbury , CT | 06810 | $77.7M |
| Southbury Branch | Southbury , CT | 06488 | $69.5M |
| Newtown Branch | Newtown , CT | 06470 | $59.3M |
| Stamford Branch | Stamford , CT | 06905 | $58.4M |
| Bank Street Waterbury Branch | Waterbury , CT | 06708 | $48.9M |
| Norwalk Branch Office | Norwalk , CT | 06851 | $40.7M |
| 2084 North Main Street Waterbury Branch | Waterbury , CT | 06704 | $38.5M |
| Southern New Milford Branch | New Milford , CT | 06776 | $29.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in CT, rank 19 of 46 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 247 applications, 171 loans originated, $130.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 18 loans, $7.8M approved, $432K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Ives Bank
What are Ives Bank's total assets?
As of the Q2 2026 filing, Ives Bank reported total assets of $1.73 billion in its FFIEC call report.
Where is Ives Bank headquartered?
It is headquartered in Danbury, CT, United States.
When was Ives Bank founded?
It was established in 1849, per the FDIC institution directory.
Is Ives Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #15912). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ives Bank?
Ives Bank's primary federal regulator is the FDIC.
How many branches does Ives Bank operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ives Bank's Texas Ratio?
Its Texas Ratio is 7.84% 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 Ives Bank previously called?
The charter now named Ives Bank has also operated as Savings Bank of Danbury (2006-2024), per FDIC structure-change records.
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