Ives 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.
Reserve coverage of non-performing loans dropped 14.98 percentage points in Q2 2026, from 103.93% to 88.95%. It was the largest change from Q1 2026 among the key lines here. Ives Bank ranks 9th of 27 Connecticut banks on return on assets, in the upper half at 1.17% (Q2 2026). Ives Bank reported 1.17% on return on assets for Q2 2026, 0.11 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.87% |
| Equity capital to assets | 13.32% |
| Tangible equity to tangible assets | 13.23% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.46% |
| Non-performing assets ratio | 1.21% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 9.61% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 88.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.17% |
| Return on equity | 8.69% |
| Net interest margin | 3.46% |
| Efficiency ratio | 63.31% |
| Yield on earning assets | 5.47% |
| Cost of funds | 2.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.34% |
| Core deposits to total deposits | 79.24% |
| Brokered deposits to total deposits | 10.12% |
| Deposits to assets | 79.02% |
| Securities to assets | 8.32% |
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 | 13.25% | 0.93% | 3.26% | 1.63% | -0.04% |
| Q4 2023 | 12.87% | 0.73% | 3.05% | 1.76% | -0.06% |
| Q1 2024 | 12.90% | 0.88% | 2.86% | 1.43% | -0.03% |
| Q2 2024 | 12.82% | 0.95% | 2.93% | 1.73% | -0.12% |
| Q3 2024 | 12.77% | 1.02% | 2.85% | 1.51% | 0.73% |
| Q4 2024 | 12.85% | 0.79% | 3.04% | 1.53% | -0.03% |
| Q1 2025 | 13.15% | 0.81% | 3.04% | 1.48% | -0.08% |
| Q2 2025 | 13.36% | 1.04% | 3.21% | 1.43% | -0.06% |
| Q3 2025 | 13.47% | 0.98% | 3.25% | 1.43% | 0.01% |
| Q4 2025 | 13.61% | 1.13% | 3.40% | 1.44% | -0.01% |
| Q1 2026 | 13.84% | 1.02% | 3.42% | 1.26% | -0.00% |
| Q2 2026 | 13.87% | 1.17% | 3.46% | 1.46% | -0.00% |
Ives Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ives 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 Ives Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15912) · FFIEC NIC profile (RSSD 626101)