FDIC Cert #18194 · Guilford, Connecticut · Est. 1875

Ascend Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$1.5B
Total assets
D
Health grade · Weak
0.35%
Return on assets
9.4%
Tier 1 capital

Data updated July 2026

The verdict

Ascend Bank earns a PlainBankData health grade of D (45/100), with 9.44% Tier 1 capital, 0.35% ROA, 86% efficiency ratio.

#766
largest of 4,313 FDIC banks by assets
82nd
percentile by asset size, nationally
9.44%
Tier 1 ratio - below the 10% well-capitalized line
11th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 18194 · CT D · 45/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-D D (45/100)
  • BOTTOM-DECILE #4183/4307
  • PHOTO-FINISH Kennett Trust Bank · MO
  • TIER1-ADEQ 9.4% Tier 1
  • TEXAS-CLEAN 2.7% Texas
  • ROA-THIN 0.35% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Connecticut: Kennett Trust Bank, MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Ascend Bank

Lowest and highest poles plus nearest scored peers outside Connecticut, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Ascend Bank · CT · this bank45/100First Bank Chicago · IL · ne…45/100Kennett Trust Bank · MO · ne…45/100Rochelle State Bank · GA · n…45/100Southern Bank · GA · near45/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Ascend Bank · July 2026

Plate reading for Ascend Bank where failures stay rare

Ascend Bank (FDIC Cert #18194) carries a PlainBankData health grade of D at 45/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,183 of 4,307. Tier 1 capital prints at 9.44%, missing the 10% well-capitalized line. The Texas Ratio is 2.70%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.35%. Balance-sheet scale is $1.5B, 766th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Kennett Trust Bank (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Ascend Bank

Only 2 FAILURE resolutions in Connecticut since 2000

Ascend Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (2 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • THE COMMUNITY'S BANK BRIDGEPORT, CT 2013
  • CONNECTICUT BANK OF COMMERCE STAMFORD, CT 2002 → HUDSON UNITED BANK
  • FAIRFIELD FIRST BANK & TRUST CO SOUTHPORT, CT 1996 → NORWALK SAVINGS SOCIETY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Connecticut banks.

How Ascend Bank's 45/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10045/100
Ascend Bank's composite health score
Tier 1 Capital Ratio (9.44%) 18/40
Return on Assets (ROA) (0.35%) 7/25
Texas Ratio (2.70%) 20/20
Efficiency Ratio (85.59%) 0/15

45 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.5B

Total balance-sheet footings

Total Deposits

$1.3B

Customer-funded liabilities

Net Loans

$1.1B

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.04% 9.44% 10.84%
Basel III capital ratios - Ascend Bank

Where Ascend Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Ascend Bank's score of 45/100 falls in the highlighted band.

Ascend Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

45 3rd percentile higher than 3% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Ascend Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Ascend Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Ascend Bank's $1.5B falls in the highlighted band.

Safety metrics: Ascend Bank

Tier 1 capital ratio
Well-capitalized 10%

9.44% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.44%
Texas Ratio
2.70%
Equity Capital
$144M

What these ratios mean →

Profitability metrics: Ascend Bank

Return on Assets (ROA)
11th percentile nationally
0.35%
Return on Equity (ROE)
3.53%
Efficiency Ratio
85.59%

What these mean →

Income & expense at Ascend Bank

$61M
Interest Income
$9M
Non-Interest Income
$41M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Ascend Bank reports a Texas Ratio of 2.70% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.70% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Ascend Bank

Ascend Bank's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.44% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Ascend Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Ascend Bank on FDIC BankFind →

Top banks in Connecticut by total assets

Largest banks headquartered in Connecticut
  1. 1
    Webster Bank $84.0B

    Stamford, CT · Grade A

  2. 2
    Liberty Bank $9.0B

    Middletown, CT · Grade B

  3. 3
    Bankwell Bank $3.4B

    New Canaan, CT · Grade A

  4. 4
    Union Savings Bank $3.3B

    Danbury, CT · Grade B

  5. 5
    Ion Bank $2.7B

    Naugatuck, CT · Grade B

Top 5 banks in Connecticut ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.5B here), outside Connecticut so the neighborhood is not state containment.

Idaho First Bank $1.5B · ID Ameriserv Financial Bank $1.4B · PA North American Banking Company $1.5B · MN Peoples State Bank $1.5B · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Ascend Bank (FDIC Cert #18194) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Ascend Bank Call Report profile · FDIC Failed Bank List · Connecticut FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Connecticut

All Connecticut banks →
BankAssetsGradeROA
Webster Bank, National AssociationStamford $84.0B A 1.26%
Liberty BankMiddletown $9.0B B 0.99%
Bankwell BankNew Canaan $3.4B A 1.27%
Union Savings BankDanbury $3.3B B 0.61%
Ion BankNaugatuck $2.7B B 0.79%
First County BankStamford $2.3B C 0.22%
Fairfield County BankRidgefield $1.9B C 0.46%
Thomaston Savings BankThomaston $1.9B B 0.78%