Dr Bank
Darien, CT·RSSD 3428258·FDIC 58257·bank:3428258·CBLR opted in
- #17 of 28Total assets in Connecticut
- 2offices
- 89employees
- Top 3%Net interest margin vs. peers
- Top 3%Return on assets in the U.S.
- Top 4%Fee income vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Dr Bank
8 of 23 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Deposit costs among the highest of similar banksWorth a look: Funding 2nd quarter3.29%peers 1.80%+149 bps
Dr Bank's cost of all deposits was 3.29%, compared with a median of 1.80% among 1432 similar banks: higher than 98% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 3.29% | 1.80% | +149 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Dr Bank itself is left out of every peer median and percentile. How signals work
Return on assets rising faster than peersStrength: Earnings 2nd quarter2.96%peers 1.32%+164 bps
Dr Bank's annualized return on assets rose 118 bps over the past year to 2.96%. Among 1433 similar banks, the median rose 14 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 2.96% | 1.32% | +164 bps |
| 12-month change | ||
| +118 bps | +14 bps | +104 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Dr Bank itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending 2nd quarter+23.5%peers +5.5%+18.0 pp
Dr Bank's loans grew 23.5% over the past year to $751 million. The median among 1431 similar banks was +5.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +23.5% | +5.5% | +18.0 pp |
| Loans | ||
| $751 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Dr Bank itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth+25.8%peers +4.7%+21.2 pp
Dr Bank's total assets grew 25.8% over the past year to $913 million. The median among 1437 similar banks was +4.7%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +25.8% | +4.7% | +21.2 pp |
| Total assets | ||
| $913 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Dr Bank itself is left out of every peer median and percentile. How signals work
4 more observations
- Reliance on CDs falling faster than peersFunding
- Fee and other noninterest income among the highest of similar banksEarnings
- Deposit costs falling faster than peersFunding
- Deposits growing faster than peersFunding
Key facts
- Dr Bank is a bank headquartered in Darien, Connecticut. It reported $913 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $755 million, up 26.3% from a year earlier, and loans totaled $751 million, up 23.5%.
- Its net interest margin was 5.51% and its annualized return on assets was 2.96% for the quarter.
- Its cost of all deposits was 3.29%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Dr Bank's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Dr Bank · Bank
- Federal Reserve RSSD
- 3428258
- FDIC certificate
- 58257
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Dr Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $6.54M | — | |
| $17.86M | — | |
| $6.52M | — | |
| $11.34M | — | |
| $5.17M | — | |
| $7.92M | — | |
| $131K | — | |
| $71K | — | |
| 2.96% | 2.95%ROAQ · Quarter | |
| 5.51% | 5.49%NIMYQ · Quarter | |
| 47.97% | 47.97%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.