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Data through Q3 2026 · 4,200 institutions
Regulatory profile
New Haven, CT · FDIC certificate #58952
NEW HAVEN BANK is an FDIC-insured institution based in New Haven, CT (FDIC certificate #58952). In its Q3 2026 Call Report it reported total assets of $197M, total deposits of $151M and net loans of $166M. Its primary federal regulator is FED.
Plain-language readout
NEW HAVEN BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $200M in Q2 2026 and were lowest at $197M in Q3 2026.
Total deposits were highest at $155M in Q2 2026 and lowest at $151M in Q3 2026.
Over the whole period total assets fell 0.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $197M | $151M | $166M | 0.24% | 2.97% | 3.29% |
| Q2 2026 | $200M | $155M | $167M | 0.18% | 2.20% | 3.25% |
| Q1 2026 | $198M | $153M | $167M | 0.12% | 1.48% | 3.21% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $11.3M | $14.2M | -$2.9M | -20.2% |
| Federal funds sold | $62K | $103K | -$41K | -39.8% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $13.5M | $8.5M | +$5.0M | +59.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $166.9M | $166.9M | +$41K | +0.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.3M | $1.3M | -$23K | -1.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $6.9M | $7.3M | -$342K | -4.7% |
| Total assets | $200.0M | $198.2M | +$1.8M | +0.9% |
| Liabilities | ||||
| Total deposits | $155.1M | $153.5M | +$1.6M | +1.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $24.5M | $25.0M | -$500K | -2.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.4M | $3.8M | +$634K | +16.7% |
| Total liabilities | $184.0M | $182.3M | +$1.7M | +1.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $24.4M | $24.4M | $0K | 0.0% |
| Retained earnings | -$7.9M | -$8.0M | +$116K | +1.4% |
| Accumulated other comprehensive income | -$475K | -$431K | -$44K | -10.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $16.0M | $15.9M | +$72K | +0.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $453K | $528K | -$75K | -14.2% |
| Adjusted nonperforming assets | $453K | $528K | -$75K | -14.2% |
| Tangible equity plus allowance | $17.9M | $17.8M | +$67K | +0.4% |
| Texas ratio (gross) | 2.53% | 2.96% | -0.43 pts | See points |
| Texas ratio (adjusted) | 2.53% | 2.96% | -0.43 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.53% | 2.96% | -0.43 pts | See points |
| Tier 1 capital to risk-weighted assets | 10.70% | 10.60% | +0.10 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 10.70% | 10.60% | +0.10 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.24% | 1.24% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 11.94% | 11.84% | +0.10 pts | See points |
| Tier 1 leverage (approximate) | 8.23% | 8.25% | -0.02 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Commercial real estate to total capital | 226.70% | 234.98% | -8.28 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -4.28% | -4.04% | -0.24 pts | See points |
| Liquidity | ||||
| Core deposits | $132.5M | $130.6M | +$1.9M | +1.5% |
| Non-core funding | $47.1M | $47.9M | -$796K | -1.7% |
| Loans to core deposits | 127.36% | 129.18% | -1.82 pts | See points |
| Loans to deposits | 108.83% | 109.95% | -1.11 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.01% | -0.01 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 44.71% | 42.97% | +1.73 pts | See points |
| Volatile liabilities | $48.7M | $49.5M | -$796K | -1.6% |
| Earnings | ||||
| Earnings before provision, year to date | $175K | $59K | +$116K | +196.6% |
| Earnings before provision, single quarter | $116K | $59K | +$57K | +96.6% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.77% | 5.66% | +0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 3.57% | 3.60% | -0.04 pts | See points |
| Total interest income to average assets | 5.35% | 5.29% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 0.50% | 0.26% | +0.23 pts | See points |
| Cost of savings and money market deposits | 2.39% | 2.24% | +0.15 pts | See points |
| Cost of time deposits | 3.34% | 3.45% | -0.11 pts | See points |
| Total interest expense to average assets | 2.22% | 2.22% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $197M | $151M | $166M | 0.24% | 2.97% | 3.29% |
| 2026-06-30 | $200M | $155M | $167M | 0.18% | 2.20% | 3.25% |
| 2026-03-31 | $198M | $153M | $167M | 0.12% | 1.48% | 3.21% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| CT | $147.5M | 0.08% | 44 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.