Total Assets
$523M
Total balance-sheet footings
FDIC Cert #34876 · Norwalk, Connecticut · Est. 1998
Connecticut Community Bank, National Association - FDIC Bank Health Profile
A community-scale look at Connecticut Community Bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $523M
- Total assets
- B
- Health grade · Good
- 0.51%
- Return on assets
- 12.9%
- Tier 1 capital
Data updated July 2026
The verdict
Connecticut Community Bank, National Association earns a PlainBankData health grade of B (69/100), with well-capitalized at 12.91% Tier 1, 0.51% ROA, 84% efficiency ratio.
- #1,732
- largest of 4,313 FDIC banks by assets
- 60th
- percentile by asset size, nationally
- 12.91%
- Tier 1 ratio - above the 10% well-capitalized line
- 16th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Connecticut Community Bank, National Association's 69/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Connecticut Community Bank, National Association's composite health score
Tier 1 Capital Ratio (12.91%) 35/40
Return on Assets (ROA) (0.51%) 14/25
Texas Ratio (0.13%) 20/20
Efficiency Ratio (84.28%) 0/15
69 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$445M
Customer-funded liabilities
Net Loans
$294M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Connecticut Community Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Connecticut Community Bank, National Association's score of 69/100 falls in the highlighted band.
Connecticut Community Bank, National Association'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). Connecticut Community Bank, National Association's $523M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.91% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.91%
Texas Ratio
0.13%
Equity Capital
$71M
Profitability metrics
Return on Assets (ROA)
16th percentile nationally
0.51%
Return on Equity (ROE)
3.93%
Efficiency Ratio
84.28%
What the numbers say about Connecticut Community Bank, National Association
Connecticut Community Bank, National Association is an FDIC-insured institution (Certificate #34876) headquartered in Norwalk, Connecticut, established in 1998. It holds $523M in total assets - 1,732nd of 4,313 FDIC-insured banks, $445M in customer deposits, and $294M in net loans. Its capital position: a Tier 1 ratio of 12.91%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.13% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (69 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Connecticut Community Bank, National Association sits 22nd of 28 banks headquartered in Connecticut by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$29M
Interest Income
$774K
Non-Interest Income
$20M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Connecticut Community Bank, National Association reports a Texas Ratio of 0.13% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.13% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Connecticut by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Connecticut Community Bank, National Association (FDIC Cert #34876) - 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.
Other banks in Connecticut
All Connecticut banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Connecticut Community Bank, National Association's health grade?▼
Connecticut Community Bank, National Association receives a health grade of B (69/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Connecticut Community Bank, National Association?▼
Connecticut Community Bank, National Association holds $523M in total assets and $445M in deposits, ranking 1,732nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Norwalk, Connecticut.
Is my money safe at Connecticut Community Bank, National Association?▼
Yes, deposits at Connecticut Community Bank, National Association (Certificate #34876) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Connecticut Community Bank, National Association's Tier 1 Capital Ratio?▼
Connecticut Community Bank, National Association has a Tier 1 Capital Ratio of 12.91%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Connecticut Community Bank, National Association?▼
Connecticut Community Bank, National Association has a Texas Ratio of 0.13%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Connecticut Community Bank, National Association?▼
Connecticut Community Bank, National Association has an Efficiency Ratio of 84.28%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Connecticut Community Bank, National Association's profile as a depositor or analyst.
- Connecticut Community Bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Connecticut Community Bank, National Association against other Connecticut banks before moving funds. Connecticut banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.