FDIC Cert #58257 · Darien, Connecticut · Est. 2006

DR Bank - FDIC Bank Health Profile

A community-scale look at DR Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$839M
Total assets
A
Health grade · Excellent
1.67%
Return on assets
10.2%
Tier 1 capital

Data updated July 2026

The verdict

DR Bank earns a PlainBankData health grade of A (85/100), with well-capitalized at 10.22% Tier 1, profitable at 1.67% ROA, efficient (59% cost ratio).

#1,215
largest of 4,313 FDIC banks by assets
72nd
percentile by asset size, nationally
10.22%
Tier 1 ratio - above the 10% well-capitalized line
82nd
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.

FDIC Call Report plate

Cert 58257 · CT A · 85/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (85/100)
  • MID-PACK #1337/4307
  • PHOTO-FINISH Putnam 1st Mercantil… · TN
  • TIER1-WELL 10.2% Tier 1
  • TEXAS-CLEAN 0.5% Texas
  • ROA-STRONG 1.67% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Connecticut: Putnam 1st Mercantile Bank, TN (±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 DR Bank

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

Morgan Stanley Bank,… · UT ·…100/100Austin County State… · TX · …85/100DR Bank · CT · this bank85/100Putnam 1st Mercantil… · TN ·…85/100TriState Capital Bank · PA ·…85/100Valliance Bank · OK · near85/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around DR Bank · July 2026

Plate reading for DR Bank where failures stay rare

DR Bank (FDIC Cert #58257) carries a PlainBankData health grade of A at 85/100, 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 #1,337 of 4,307. Tier 1 capital prints at 10.22%, clearing the 10% well-capitalized line. The Texas Ratio is 0.50%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.67%. Balance-sheet scale is $839M, 1,215th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Putnam 1st Mercantile Bank (TN), 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 DR Bank

Only 2 FAILURE resolutions in Connecticut since 2000

DR 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 DR Bank's 85/100 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 avg77/10085/100
DR Bank's composite health score
Tier 1 Capital Ratio (10.22%) 28/40
Return on Assets (ROA) (1.67%) 25/25
Texas Ratio (0.50%) 20/20
Efficiency Ratio (58.68%) 12/15

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

Balance sheet at a glance

Total Assets

$839M

Total balance-sheet footings

Total Deposits

$703M

Customer-funded liabilities

Net Loans

$693M

Outstanding loan book

Net Income

$12M

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.) 8.82% 10.22% 11.62%
Basel III capital ratios - DR Bank

Where DR Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. DR Bank's score of 85/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

85 Top 31% higher than 69% 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%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. DR 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

DR 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). DR Bank's $839M falls in the highlighted band.

Safety metrics: DR Bank

Tier 1 capital ratio
Well-capitalized 10%

10.22% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.22%
Texas Ratio
0.50%
Equity Capital
$78M

What these ratios mean →

Earnings posture at DR Bank

Return on Assets (ROA)
82nd percentile nationally
1.67%
Return on Equity (ROE)
18.45%
Efficiency Ratio
58.68%

What these mean →

Income & expense at DR Bank

$60M
Interest Income
$8M
Non-Interest Income
$25M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. DR Bank reports a Texas Ratio of 0.50% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.50% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View DR 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 ($839M here), outside Connecticut so the neighborhood is not state containment.

Savings Bank of Walpole $839M · NH Fortress Bank $839M · IL Harmony Bank $838M · TX CommerceOne Bank $840M · AL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) DR Bank (FDIC Cert #58257) - 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.

DR 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%