The catalogue › United States › New England › Connecticut
The state note · prepared 7 September 2026

Connecticut

28 banks and 64 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

28 banks filing · read from the 30 June 2026 Call Report
28
banks filing
$130B in assets
+7.1%
Loans, year over year
median; 9 above 10%, 3 shrinking
31.0%
CRE / loans
median
97.6%
Loans / deposits
median
0.50%
NPA / loans
median
10.2%
Equity / assets
median

Connecticut's 28 banks hold $130B in assets at 30 June 2026. Webster Bank National Association is the largest at $85.9B, and the five largest hold 81% of the total; 16 institutions are above $1B, holding $123B.

Loans grew a median +7.1% in the year to 30 June 2026: 9 institutions grew faster than 10% and 3 shrank. The median bank lends 98% of its deposits and holds commercial real estate at 31.0% of loans. Nonperforming loans sit at a median 0.50% of the book, return on assets at 0.82%, and equity at 10.2% of assets.

12 of the 28 are in the catalogue, each read from its own filing beside the banks its size in the state: Webster Bank National Association, Liberty Bank, Bankwell Bank, Union Savings Bank, Ion Bank, First County Bank, Thomaston Savings Bank, Fairfield County Bank, DR Bank, Windsor Federal Bank, Fieldpoint Private Bank & Trust, First Bank of Greenwich.

Who holds the state's assetseach institution's share of the $130B the state's 28 hold; the largest first, amber in the catalogue
Webster Bank National Association: 66.3%WB66%Liberty Bank: 7.2%LB7%Bankwell Bank: 2.7%Union Savings Bank: 2.5%Ion Bank: 2.1%First County Bank: 1.9%Thomaston Savings Bank: 1.5%Fairfield County Bank: 1.5%Newtown Savings Bank: 1.4%Chelsea Groton Bank: 1.4%18 others 11%WBWebster Bank National…66.3%LBLiberty Bank7.2%BBBankwell Bank2.7%USUnion Savings Bank2.5%IBIon Bank2.1%FCFirst County Bank1.9%TSThomaston Savings Bank1.5%FCFairfield County Bank1.5%NSNewtown Savings Bank1.4%CGChelsea Groton Bank1.4%

Webster Bank National Association holds 66.3% of the state's bank assets; the five largest hold 81%, and 16 of the 28 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestWebster Bank National Ass…: 66% of the totalThe five largest81% of the totalThe ten largest89% of the totalGINI0.80 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 81% of the assets in 18% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
1-4 family residential, closed-end23.5%$21.5BNonfarm nonresidential, non-owner-occupied19.1%$17.5BCommercial & industrial14.8%$13.5BMultifamily12.7%$11.6BOther loans and leases9.7%$8.9BNonfarm nonresidential, owner-occupied6.4%$5.8BStates & municipalities6.0%$5.5BConstruction & land3.9%$3.6BHome equity lines2.4%$2.2BConsumer, other1.3%$1.2BAuto0.2%$218MCredit card0.0%$43MFarmland0.0%$14MAgricultural production0.0%$536K

1-4 family residential, closed-end is the largest category at 23.5% of the state's $91.5B in loans, then Nonfarm nonresidential, non-owner-occupied at 19.1% and Commercial & industrial at 14.8%.

Loans, year over yearConnecticut banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 27 · amber, in the catalogue
state median +7.1% PB Patriot Bank National Association +50.9% AB Ascend Bank +30.0% DB DR Bank +23.5% LB Liberty Bank +13.4% FC First County Bank +12.9% BB Bankwell Bank +10.9% DB Dime Bank +10.7% WF Windsor Federal Bank +10.6% NC Northwest Community Bank +10.2% FC Fairfield County Bank +8.3% JC Jewett City Savings Bank +7.7% US Union Savings Bank +7.6% WB Webster Bank National Association +7.3% TS Thomaston Savings Bank +7.1% CG Chelsea Groton Bank +5.4% MB Milford Bank +4.7% IB Ives Bank +4.6% NI National Iron Bank +4.5% CC Connecticut Community Bank N.A. +1.7% NS Newtown Savings Bank +1.7% FB First Bank of Greenwich +1.6% NH New Haven Bank +1.6% TS Torrington Savings Bank +1.3% EB Essex Bank +1.2% SS Stafford Savings Bank -0.5%

Patriot Bank National Association grew fastest at +50.9%; 9 grew faster than 10% and 3 shrank, Fieldpoint Private Bank & Trust the most at -22.6%. The median is +7.1%.

Commercial real estate, share of loansConnecticut banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 27 · amber, in the catalogue
state median 31.0% US Union Savings Bank 54.6% LB Liberty Bank 45.9% FC First County Bank 45.8% BB Bankwell Bank 42.9% FB First Bank of Greenwich 42.1% IB Ion Bank 42.0% PB Patriot Bank National Association 41.3% FC Fairfield County Bank 40.3% DB Dime Bank 39.8% TS Thomaston Savings Bank 36.3% JC Jewett City Savings Bank 35.9% WB Webster Bank National Association 34.8% AB Ascend Bank 31.7% TS Torrington Savings Bank 31.0% FP Fieldpoint Private Bank & Trust 28.1% NC Northwest Community Bank 27.6% CC Connecticut Community Bank N.A. 27.2% WF Windsor Federal Bank 26.5% IB Ives Bank 25.3% NH New Haven Bank 24.7% EB Essex Bank 22.7% MB Milford Bank 18.5% CG Chelsea Groton Bank 17.2% DB DR Bank 15.6% NS Newtown Savings Bank 15.4%

Union Savings Bank is the most CRE-weighted at 54.6% of loans; 8 of the 28 are above 40%, against a median of 31.0%.

Commercial real estate against capital, the 300% screenConnecticut banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 28 · amber, in the catalogue
state median 225% 300% screen FC First County Bank 369% FB First Bank of Greenwich 367% US Union Savings Bank 336% BB Bankwell Bank 331% PB Patriot Bank National Association 289% FP Fieldpoint Private Bank & Trust 257% AB Ascend Bank 256% WB Webster Bank National Association 256% LB Liberty Bank 256% TS Thomaston Savings Bank 249% DB Dime Bank 246% IB Ion Bank 243% NC Northwest Community Bank 238% NH New Haven Bank 227% FC Fairfield County Bank 224% WF Windsor Federal Bank 214% JC Jewett City Savings Bank 200% IB Ives Bank 155% MB Milford Bank 137% TS Torrington Savings Bank 132% DB DR Bank 131% CC Connecticut Community Bank N.A. 127% EB Essex Bank 125% NS Newtown Savings Bank 122% CG Chelsea Groton Bank 74%

4 of the 28 banks sit above the 300% screen, First County Bank the highest at 369% of capital; the median is 225%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenConnecticut banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 28 · amber, in the catalogue
state median 31% 100% screen DB Dime Bank 61% FC Fairfield County Bank 59% FC First County Bank 52% MB Milford Bank 49% JC Jewett City Savings Bank 49% AB Ascend Bank 47% EB Essex Bank 45% FB First Bank of Greenwich 42% BB Bankwell Bank 40% TS Thomaston Savings Bank 39% LB Liberty Bank 38% WF Windsor Federal Bank 36% NS Newtown Savings Bank 32% DB DR Bank 31% NI National Iron Bank 30% IB Ion Bank 28% US Union Savings Bank 28% IB Ives Bank 27% CG Chelsea Groton Bank 26% NC Northwest Community Bank 25% FP Fieldpoint Private Bank & Trust 24% WB Webster Bank National Association 22% TS Torrington Savings Bank 8% CC Connecticut Community Bank N.A. 1% SS Stafford Savings Bank 1%

0 of the 28 banks sit above the 100% construction screen, Dime Bank the highest at 61%; the median is 31%.

Loans to depositsConnecticut banks, 30 June 2026 · listed highest first · the 25 highest of 28 · amber, in the catalogue
state median 98% CG Chelsea Groton Bank 111% NH New Haven Bank 109% FB First Bank of Greenwich 107% IB Ives Bank 105% LB Liberty Bank 103% FC Fairfield County Bank 102% MB Milford Bank 102% JC Jewett City Savings Bank 101% DB Dime Bank 101% TS Torrington Savings Bank 100% FC First County Bank 100% DB DR Bank 100% WF Windsor Federal Bank 98% NC Northwest Community Bank 98% BB Bankwell Bank 97% NS Newtown Savings Bank 97% US Union Savings Bank 94% NI National Iron Bank 90% IB Ion Bank 88% AB Ascend Bank 88% TS Thomaston Savings Bank 85% EB Essex Bank 82% WB Webster Bank National Association 82% FP Fieldpoint Private Bank & Trust 79% PB Patriot Bank National Association 75%

10 of the 28 lend more than they hold in deposits, Chelsea Groton Bank the furthest at 111%; the median is 98%.

Nonperforming loans, share of loansConnecticut banks, 30 June 2026 · listed highest first · the 25 highest of 27 · amber, in the catalogue
state median 0.50% PB Patriot Bank National Association 2.75% FP Fieldpoint Private Bank & Trust 1.93% IB Ion Bank 1.49% IB Ives Bank 1.41% FB First Bank of Greenwich 1.30% EB Essex Bank 1.27% JC Jewett City Savings Bank 1.01% WF Windsor Federal Bank 0.99% WB Webster Bank National Association 0.76% TS Thomaston Savings Bank 0.65% NC Northwest Community Bank 0.60% SS Stafford Savings Bank 0.56% BB Bankwell Bank 0.54% AB Ascend Bank 0.50% MB Milford Bank 0.49% CG Chelsea Groton Bank 0.48% NS Newtown Savings Bank 0.37% LB Liberty Bank 0.32% US Union Savings Bank 0.29% NH New Haven Bank 0.27% FC First County Bank 0.24% DB Dime Bank 0.20% TS Torrington Savings Bank 0.14% DB DR Bank 0.14% FC Fairfield County Bank 0.05%

Patriot Bank National Association carries the most nonperforming loans at 2.75% of the book; 7 of the 28 are above 1%, and the median is 0.50%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%0.20%0.40%0.60%0.80%1.00%1.20%1.40%1.60%1.80%NPA / loansAllowance / loansSSStafford Savings Bank+1.30%FCFairfield County Bank+1.19%CCConnecticut Community Bank N.A.+1.04%NSNewtown Savings Bank+0.89%NHNew Haven Bank+0.86%LBLiberty Bank+0.86%DBDime Bank+0.77%USUnion Savings Bank+0.74%TSTorrington Savings Bank+0.73%FCFirst County Bank+0.64%DBDR Bank+0.55%BBBankwell Bank+0.50%MBMilford Bank+0.50%NINational Iron Bank+0.49%WBWebster Bank National Association+0.49%CGChelsea Groton Bank+0.45%TSThomaston Savings Bank+0.34%NCNorthwest Community Bank+0.31%ABAscend Bank+0.26%JCJewett City Savings Bank-0.05%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 8 of the 28 hold an allowance smaller than their nonperforming loans.

Return on assetsConnecticut banks, 30 June 2026 · listed highest first · the 25 highest of 28 · amber, in the catalogue
state median 0.82% SS Stafford Savings Bank 8.32% MP Massmutual Private Wealth & Trust 6.06% DB DR Bank 2.50% BB Bankwell Bank 1.61% CG Chelsea Groton Bank 1.38% LB Liberty Bank 1.28% WB Webster Bank National Association 1.21% EB Essex Bank 1.09% IB Ives Bank 1.08% TS Thomaston Savings Bank 1.05% AB Ascend Bank 1.01% DB Dime Bank 0.93% IB Ion Bank 0.93% NI National Iron Bank 0.83% FB First Bank of Greenwich 0.82% US Union Savings Bank 0.79% NS Newtown Savings Bank 0.75% FC Fairfield County Bank 0.68% PB Patriot Bank National Association 0.66% TS Torrington Savings Bank 0.65% MB Milford Bank 0.65% NC Northwest Community Bank 0.52% FC First County Bank 0.47% JC Jewett City Savings Bank 0.33% CC Connecticut Community Bank N.A. 0.25%

Stafford Savings Bank earns the most at 8.32% and Fieldpoint Private Bank & Trust the least at -0.29%; 6 of the 28 earn under 0.50%, and the median is 0.82%.

The efficiency ratio, with the return beside itConnecticut banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 28 · amber, in the catalogue
state median 74.3% BB Bankwell Bank 44.2% ROA 1.61% WB Webster Bank National Association 49.9% ROA 1.21% DB DR Bank 50.6% ROA 2.50% SS Stafford Savings Bank 51.0% ROA 8.32% CG Chelsea Groton Bank 58.4% ROA 1.38% TS Thomaston Savings Bank 62.3% ROA 1.05% IB Ives Bank 62.5% ROA 1.08% FB First Bank of Greenwich 65.7% ROA 0.82% DB Dime Bank 67.0% ROA 0.93% AB Ascend Bank 69.4% ROA 1.01% US Union Savings Bank 69.7% ROA 0.79% NI National Iron Bank 69.9% ROA 0.83% NS Newtown Savings Bank 72.2% ROA 0.75% IB Ion Bank 74.3% ROA 0.93% WF Windsor Federal Bank 74.3% ROA 0.20% FC Fairfield County Bank 75.3% ROA 0.68% LB Liberty Bank 75.7% ROA 1.28% JC Jewett City Savings Bank 75.8% ROA 0.33% TS Torrington Savings Bank 76.8% ROA 0.65% MB Milford Bank 77.1% ROA 0.65% NC Northwest Community Bank 79.5% ROA 0.52% FC First County Bank 80.5% ROA 0.47% EB Essex Bank 82.5% ROA 1.09% PB Patriot Bank National Association 86.5% ROA 0.66% MP Massmutual Private Wealth & Trust 87.5% ROA 6.06%

Bankwell Bank runs the leanest at 44.2% of revenue in cost; 7 of the 28 spend more than 80 cents of every revenue dollar, and the median is 74.3%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
Webster Bank National Association$85.9B+7.3%34.8%82%0.76%1.21%11.4%
Liberty Bank$9.4B+13.4%45.9%103%0.32%1.28%13.1%
Bankwell Bank$3.5B+10.9%42.9%97%0.54%1.61%10.2%
Union Savings Bank$3.3B+7.6%54.6%94%0.29%0.79%9.9%
Ion Bank$2.8B-1.0%42.0%88%1.49%0.93%12.3%
First County Bank$2.4B+12.9%45.8%100%0.24%0.47%7.9%
Thomaston Savings Bank$1.9B+7.1%36.3%85%0.65%1.05%9.4%
Fairfield County Bank$1.9B+8.3%40.3%102%0.05%0.68%12.9%
Newtown Savings Bank$1.9B+1.7%15.4%97%0.37%0.75%8.9%
Chelsea Groton Bank$1.8B+5.4%17.2%111%0.48%1.38%15.8%
Ives Bank$1.7B+4.6%25.3%105%1.41%1.08%13.3%
Ascend Bank$1.5B+30.0%31.7%88%0.50%1.01%10.1%
Patriot Bank National Association$1.3B+50.9%41.3%75%2.75%0.66%8.0%
Northwest Community Bank$1.3B+10.2%27.6%98%0.60%0.52%6.9%
Dime Bank$1.2B+10.7%39.8%101%0.20%0.93%11.3%
Five years, 2021 to 2026the 28 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$44.1B$91.5B+107%
Deposits, in total$58.2B$106B+82%
NPA / loans, median0.56%0.50%-0.06 pts
Efficiency, median74.2%74.3%+0.1 pts
ROA, median0.87%0.82%-0.04 pts

Small-business lending

SBA 7(a) approvals into Connecticut since FY2008, across every lender type

$4.0B of 7(a) credit has been approved into Connecticut since FY2008 across 12,412 loans. Retail trade is the largest category at 14.5%, Accommodation & food services at 13.4%, Manufacturing at 10.8%; the three together are 39% of the money. The heaviest losses fall in Transportation & warehousing, at 3.46% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 230 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
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 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 NB Newtek Bank, National Association 2.2% $90M · 193 loans Readycap Lending, LLC 1.8% $70M · 133 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Retail trade15.3%$579M · 1,839 loansAccommodation & food services14.2%$538M · 1,339 loansManufacturing11.4%$430M · 1,027 loansHealth care & social assistance11.2%$423M · 1,149 loansConstruction9.8%$370M · 1,752 loansProfessional & technical services8.6%$326M · 1,166 loansOther services8.4%$319M · 1,205 loansWholesale trade6.2%$235M · 537 loansAdministrative & waste services4.9%$187M · 778 loansArts, entertainment & recreation4.1%$156M · 387 loansReal estate & leasing3.3%$125M · 272 loansFinance & insurance2.5%$94M · 234 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Retail trade$579M1,83914.5%$14M2.40%
Accommodation & food services$538M1,33913.4%$13M2.42%
Manufacturing$430M1,02710.8%$12M2.87%
Health care & social assistance$423M1,14910.6%$6M1.52%
Construction$370M1,7529.2%$9M2.55%
Professional & technical services$326M1,1668.1%$5M1.47%
Other services$319M1,2058.0%$10M3.09%
Wholesale trade$235M5375.9%$6M2.66%
Administrative & waste services$187M7784.7%$2M0.88%
Arts, entertainment & recreation$156M3873.9%$2M1.24%
Real estate & leasing$125M2723.1%$569K0.45%
Finance & insurance$94M2342.3%$653K0.70%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Fairfield$610M1,97994
Hartford$557M2,175101
Capitol$525M1,344101
New Haven$468M1,731100
Western Ct$399M95896
South Central Ct$354M78570
Naugatuck Vly$203M54370
Greater Bridgeport$152M47055
New London$138M38961
Litchfield$110M53950

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Connecticut institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 7 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Connecticut

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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