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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Connecticut, the state note

DR Bank

Darien, Connecticut · $913M in assets · beside the 9 other Connecticut banks between $300M and $1B

The filing

50.6%
Efficiency
1st of 10
+23.5%
Loans, year over year
1st of 10, largest first
2.50%
ROA
2nd of 10

DR Bank is the largest of the 10 Connecticut banks between $300M and $1B, with $913M in assets at 30 June 2026. Loans are 99.6% of deposits, 7th of 10 against a median of 93.9%, and equity is 9.6% of assets, 5th of 10. Loans grew +23.5% in the year, the fastest in the cohort, and deposits grew 26.3%; the cohort's median loan growth is +3.1%.

Noncurrent loans are 0.14% of the book, 3rd of 10 against a median of 0.77%; 0.46% is 30 to 89 days past due, and the allowance covers them 5.0 times. Net charge-offs are 0.30% of loans, 8th of 10. Commercial real estate is 15.6% of loans, 3rd of 10 against a median of 24.6%, and 131% of capital, below the 300% screen, with construction at 31% against the 100% screen.

Return on assets is 2.50%, 2nd of 10 against a median of 0.73%, on an efficiency ratio of 50.6%, the lowest in the cohort. Five years ago it was 0.36%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

The efficiency ratioCT banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 75.1% DB DR Bank 50.6% SS Stafford Savings Bank 51.0% FB First Bank of Greenwich 65.7% NI National Iron Bank 69.9% WF Windsor Federal Bank 74.3% JC Jewett City Savings Bank 75.8% MB Milford Bank 77.1% EB Essex Bank 82.5% CC Connecticut Community Bank N.A. 91.8% FP Fieldpoint Private Bank & Trust 119.0%
Loans, year over yearCT banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +3.1% DB DR Bank +23.5% WF Windsor Federal Bank +10.6% JC Jewett City Savings Bank +7.7% MB Milford Bank +4.7% NI National Iron Bank +4.5% CC Connecticut Community Bank N.A. +1.7% FB First Bank of Greenwich +1.6% EB Essex Bank +1.2% SS Stafford Savings Bank -0.5% FP Fieldpoint Private Bank & Trust -22.6%

SBA 7(a), FY2008 to FY2026

DR Bank is the 147th largest 7(a) lender into Connecticut of 230, with $2M across 7 loans, 0.1% of everything approved in the state (Webster Bank National Association leads with $446M). 1 of its 9 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Connecticut, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Fairfield, CT$2M49th of 940.3%quiet FY2019
Clark, NV$500K174th of 2290.0%thin
Monroe, NY$250K74th of 890.0%thin
Western Ct, CT$185K91st of 960.0%thin
New York, NY$176K194th of 2080.0%thin
Cumberland, NJ$175K48th of 540.1%thin
Collier, FL$161K125th of 1360.0%thin
Catawba, NC$130K63rd of 690.1%thin
Passaic, NJ$15K111th of 1110.0%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Educational services2$876K27.0%0.02%468th of 1,136
Arts, entertainment & recreation2$661K20.4%0.00%948th of 1,656
Wholesale trade2$485K14.9%0.00%1117th of 1,651
Construction2$425K13.1%0.00%1529th of 2,063
Retail trade2$323K10.0%0.00%2111th of 2,589
7(a) lenders into Connecticut, share of approvals since FY2008230 lenders on record; the ten largest and DR Bank
WB Webster Bank National Association 11.1% $446M · 1,608 loans Ma Manufacturers and Traders Trust C… 7.9% $315M · 2,046 loans LO Live Oak Banking Company 7.7% $307M · 252 loans NS Newtek Small Business Finance, In… 5.7% $227M · 276 loans KN KeyBank National Association 4.3% $173M · 570 loans TB TD Bank, National Association 4.3% $173M · 1,038 loans BB Beacon Bank and Trust 3.6% $146M · 418 loans CB Celtic Bank Corporation 3.4% $134M · 178 loans WF Wells Fargo Bank National Associa… 3.1% $126M · 350 loans LB Liberty Bank 2.7% $109M · 734 loans DB DR Bank 0.0% $2M · 7 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers, DR Bank among them; owner-occupied excluded; bold marks a screen met
DR BankRankCohort median
Total CRE against capital, the 300% screen131%5th of 10134%
Construction against capital, the 100% screen31%5th of 1034%
Construction and land development, share of loans3.6%4th of 104.5%
Non-owner-occupied nonfarm nonresidential, share of loans8.9%3rd of 1013.8%
Total CRE, the guidance definition, share of loans15.6%3rd of 1024.6%
CRE growth over 36 months, the third prong+17.2%5th of 10+21.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
DR Bank$913M2.5%50.6%0.14%0.30%0.7%99.6%9.6%
Windsor Federal Bank$895M0.2%74.3%0.99%0.77%0.9%97.8%8.9%
Fieldpoint Private Bank & Trust$867M-0.3%119.0%1.93%0.02%1.0%79.2%6.5%
First Bank of Greenwich$812M0.8%65.7%1.30%0.00%1.1%106.7%9.3%
Milford Bank$652M0.6%77.1%0.49%0.00%1.0%101.8%8.9%
Essex Bank$537M1.1%82.5%1.27%0.00%0.9%82.4%14.3%
Connecticut Community Bank N.A.$526M0.3%91.8%0.02%0.00%1.1%72.7%13.7%
Stafford Savings Bank$507M8.3%51.0%0.56%-0.03%1.9%32.9%48.9%
Jewett City Savings Bank$494M0.3%75.8%1.01%0.88%1.0%101.5%14.1%
National Iron Bank$318M0.8%69.9%0.00%0.00%0.5%90.1%8.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
DR BankCohort median
20212026Change20212026Change
Loans$361M$751M+108%$380M$464M+22%
Deposits$319M$755M+137%$446M$480M+7%
NPA / loans0.00%0.14%+0.14 pts0.44%0.77%+0.34 pts
Efficiency83.4%50.6%-32.8 pts82.4%75.1%-7.3 pts
ROA0.36%2.50%+2.14 pts0.52%0.73%+0.21 pts

This read was prepared for DR Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on DR Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CT banks $300M to $1B
Institution www.drbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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