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Profitability · Connecticut

Most Efficient US Banks (Lowest Efficiency Ratio) in Connecticut

Ranked among banks headquartered in Connecticut. Re-ranked 1-28 within the state from the same national ranking population.

#1 US Banks (Lowest Efficiency Ratio): WEBSTER BANK, NATIONAL ASSOCIATION — 45.46% . The efficiency ratio measures non-interest operating expense against net revenue — a lower ratio means the bank converts more of each revenue dollar into pre-tax income.

Ranked: 28 banks with reported data Showing: Top 28 Source: FFIEC call reports (Q1 2026) What is this metric? See the Most Efficient US … glossary entry Go deeper: What Is the Bank Efficiency Ratio? Formula, Benchmarks, and What Moves It
# Bank HQ Most Efficient US … Total Assets
1 Webster Bank, N.A. Stamford , CT 45.46% $85.53B
2 Bankwell Bank New Canaan , CT 48.40% $3.36B
3 Stafford Savings Bank Stafford Springs , CT 51.19% $507.6M
4 Dr Bank Darien , CT 53.82% $860.7M
5 Chelsea Groton Bank Norwich , CT 59.22% $1.74B
6 Thomaston Savings Bank Thomaston , CT 61.16% $1.91B
7 Ives Bank Danbury , CT 61.73% $1.69B
8 Dime Bank Norwich , CT 63.30% $1.22B
9 First Bank of Greenwich, the Cos Cob , CT 66.21% $806.8M
10 Ascend Bank Guilford , CT 69.26% $1.47B
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11 Union Savings Bank Danbury , CT 70.12% $3.30B
12 National Iron Bank, the Salisbury , CT 71.81% $319.5M
13 Newtown Savings Bank Newtown , CT 73.39% $1.93B
14 Ion Bank Naugatuck , CT 73.49% $2.77B
15 Windsor Federal Bank Windsor , CT 74.48% $882.1M
16 Liberty Bank Middletown , CT 76.29% $9.02B
17 Torrington Savings Bank, the Torrington , CT 78.16% $994.0M
18 Fairfield County Bank Ridgefield , CT 78.25% $1.89B
19 Jewett City Savings Bank Jewett City , CT 78.31% $484.4M
20 Milford Bank the Milford , CT 79.26% $652.7M
21 First County Bank Stamford , CT 79.82% $2.36B
22 Northwest Community Bank Winsted , CT 80.98% $1.23B
23 Essex Bank Essex , CT 85.19% $525.7M
24 Eastern Connecticut Savings Bank Norwich , CT 86.26% $262.6M
25 Patriot Bank, N.A. Stamford , CT 87.54% $1.18B
26 Connecticut Community Bank, N.A. Norwalk , CT 94.43% $533.4M
27 New Haven Bank New Haven , CT 96.15% $198.2M
28 Fieldpoint Private Bank & Trust Greenwich , CT 121.24% $943.6M

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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