# IVES BANK
DANBURY, CT · FDIC certificate 15912 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.73B | |
| Deposits | $1.37B | |
| Loans and leases | $1.44B | |
| Total equity | $230.8M | |
| Loans / deposits | 103.97% (p92 of band) | 87.10% |
| Liquid assets / assets | 11.23% (p8 of band) | |
| Uninsured deposits / deposits | 28.76% (p44 of band) | 30.76% |
| Brokered deposits | 8.00% | |
| Wholesale funding | 14.51% (p78 of band) | |
| FHLB advances / assets | 6.51% | |
| Tier 1 leverage | 13.87% (p89 of band) | 10.50% |
| Unrealized securities loss / equity | -4.92% (p64 of band) | -7.75% |
| AOCI / equity | -0.42% (p40 of band) | |
| ROA (annualized) | 1.08% (p36 of band) | 1.26% |
| Net interest margin | 3.46% (p35 of band) | 3.70% |
| Efficiency ratio | 62.55% (p62 of band) | |
| Noncurrent loans | 1.41% (p82 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p11 of band) | |
| Reserve coverage of noncurrent | 91.72% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 28.06% (p28 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $350,000 (0% of equity) (p72 of band) | |
| Deposits YoY | 7.5% | |
| Employees | 188 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | loans exceed deposits |  |
| 2013-03 | 1 |  | loans exceed deposits |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | loans exceed deposits |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 4 | liquid assets <10% |  |
| 2015-03 | 2 |  | capital falling, liquid assets <10% |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 2 | liquid assets <10% |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | reserve under noncurrent |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | reserve under noncurrent |
| 2018-03 | 2 | reserve under noncurrent | liquid assets <10% |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | reserve under noncurrent |
| 2019-03 | 2 | reserve under noncurrent |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | noncurrent p90 |  |
| 2020-06 | 4 | capital falling |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 2 |  | loans exceed deposits, capital falling |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | loans exceed deposits, deposits shrinking |  |
| 2023-06 | 5 | uninsured deposits leaving |  |
| 2023-09 | 4 | wholesale funding >15% | reserve under noncurrent, uninsured deposits leaving |
| 2023-12 | 5 | capital falling, reserve under noncurrent | deposits shrinking |
| 2024-03 | 3 |  | capital falling, reserve under noncurrent |
| 2024-06 | 4 | reserve under noncurrent |  |
| 2024-09 | 5 | capital falling |  |
| 2024-12 | 4 |  | capital falling |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 3 |  | noncurrent p90 |
| 2025-12 | 2 |  | wholesale funding >15% |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-08 [Ives Bank expects to open new branch in Waterbury in November - Westfair Communications](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQYm9GbW8xc0k1VEpjbkZKVklLWDBzRFp5c2pZV2g5TXMzckZ3bHFaVGw5MHRocW5ZRU83c0ZRMFJicTVyN0x4OVljak1tWUNncUZwbktkNUlONlpTenFtLUtDcm5vUE5seEROWlloMzg4U0lRUUFteThIX3JDM2JZOVFvQW1OZmFxb1FLZktfbXBqamd5czVCX3o5M1dCX0tCQ3hTOVU2Wms?oc=5) · Westfair Communications
- 2025-11-20 [Connecticut Bankers Association elects new officers, board members - Hartford Business Journal](https://news.google.com/rss/articles/CBMipgFBVV95cUxQU3RxMjN6bjBoa091WHU1MW9zV0F4UHF1dlNCb3ZSTjFaM1R2OS1yMzdSbHZublpldmZ3UFdXR3hNNEk1R2tSSWlSTU9lLXNxWnZ4dkhnSDdfSXUyVGFmVjQtMlJON1RST0NBWWQzNlhERFhuZGZPWGYwakVlc2kweDZieVlUUEN2VTlfVHloRXZ6aXZDZU5zbWs2OVdQUUplQU5VUGlR?oc=5) · Hartford Business Journal
- 2025-11-30 [CT city looks to hotel conversion, new $24M bank headquarters to hasten revival - courant.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxOY1A1TGdwaE1jVEZXUHdtSVZ6bmNwTGtWcHRGb2EyV1pxUnUxVENiRThlTXE2QzFGWVRJRWU0ZkZxaXRJUXhNc3JIZVU1TVFjVS12XzktcXNiajVsT2V0eTZ2SVA5RDhsTjFfY0NyZWxzTWM3OGU4S1J4YjN1RHp4Ym9MRTc5WURzMkZ3eVVjTk1sRUFhRDlKS29iSTJ2Q0lGdzFMMHE5T2syU1lrUkxuS0t4NA?oc=5) · courant.com
- 2024-05-30 [Why Savings Bank of Danbury decided to change its name: Excited to move forward - ctinsider.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOaG9feXVHTk1QbTBoMGFzU2VXX21TRDlpMkVUUWlXMnBQbFhBeEM2X0JzMWppMFlEMGRKRmhSSU1uM3hPNUkycjE2eHZMNzB6QUxkcmd3UlRyRUFleXFBVzFBdVFkbnNnMHJVYnlwVGZuTTFzNFhpOEtwOHlCVkR6ZWNUYkxUNURja19iMVBsWFlFYzlfbzhnZw?oc=5) · ctinsider.com
- 2025-07-19 [In photos: Construction takes next step on new Ives Bank HQ in downtown Danbury - News-Times](https://news.google.com/rss/articles/CBMiowFBVV95cUxONGthRDNMMGxuUEtPdjFna294c3VNY0FicVotdzdLRkVyRjhJVjVrWUY1eG42VUZUY0VqTFlzNDNPUVZ2aVpTQS05V243WXdRRkV2eTlIZnh5eXdadE1CVEhPNkRuWGlYYXhkS1VRRHZkUFN0Y0Y5eFYwZ2xveWJUdUM0aDdKdFNiYUtKemkzTXFpN0lfMy1oZk00aDRDTGQyek5B?oc=5) · News-Times
- 2025-04-09 [Ives Bank CEO Martin Morgado Appointed to New York Fed's Community Depository Institutions Advisory Council - citybiz.co](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQalJFQThWTlBSWjlRSUoxVW9GVXlVMm9ndDE2ampReE1IVzFDaVYzS3RwVnZIQ1NOdGw4TlZaQ1pGa0ZiVW93Zkk3QllIRWNzMDlyZmZrZzFubUlBVnVIUkthSXZiUlYtdlpaSW96Wkk0Tk1QeU5hYm0tUGVaT2ZTVVBYamhkTldKeG1NWWtqcm9RUFlLRmpsZkNmWjNQWGxzX2FYNlllWnFOS1RJakdZX0x4STNmVENQRUtJUzM5VWdJSkpPSkRGYkF1SnY1QUF0aHI1UE5DbEUtVGtERHc?oc=5) · citybiz.co
- 2025-03-24 [Name change, new $23M Danbury HQ propel Ives Bank’s growth strategy - Hartford Business Journal](https://news.google.com/rss/articles/CBMipAFBVV95cUxQT0RkbUlLeUZOZlFpTm1WQ1BrdTg4M2RKcUg3LU5TRXJYc0gzUXRQcEdXcXMwZDYzTFBYTFY0QUxYTU93OUFHTlVPdmZzVk0tUmJJNWFpWEZOWGM4ajVid2xYbThuckFIY0VtZXVOMzBhY1JDNzJzM3pkQXhORndoTU15cGhHU0FCUjgxWEJKNVhxalpPaXlGZFNxaFNTWWpNdWRJMQ?oc=5) · Hartford Business Journal
- 2025-08-24 [In photos: In downtown Danbury, new Ives Bank headquarters begins to rise - News-Times](https://news.google.com/rss/articles/CBMinAFBVV95cUxPbGo2U1pSWDhzZWQ4N1dvTzZVMEF0VG5lZVJycHNYM08wNllBT0JkS1pVSlNrcmtMSnB1eHZUeDNJV2J2YkdpWFJyam92NHF0TlF4RWs2elJJaS1Gd1k0TnloZ0czNkFpeTBzREhNUTlHUWczQ0RZYWJaVG85M0ZzMHlZZThNMGdWcDJXUUtRT0o2LUEtUC1XT1pMWGk?oc=5) · News-Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15912 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/40.json (key "15912", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide