# DR BANK
DARIEN, CT · FDIC certificate 58257 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $912.6M | |
| Deposits | $754.5M | |
| Loans and leases | $751.4M | |
| Total equity | $88.0M | |
| Loans / deposits | 98.90% (p87 of band) | 82.04% |
| Liquid assets / assets | 11.91% (p9 of band) | |
| Uninsured deposits / deposits | 14.92% (p13 of band) | 25.97% |
| Brokered deposits | 14.16% | |
| Wholesale funding | 18.98% (p92 of band) | |
| FHLB advances / assets | 4.82% | |
| Tier 1 leverage | 10.28% (p41 of band) | 10.81% |
| Unrealized securities loss / equity | -1.56% (p82 of band) | -8.10% |
| AOCI / equity | -0.05% (p70 of band) | |
| ROA (annualized) | 2.49% (p95 of band) | 1.28% |
| Net interest margin | 5.28% (p96 of band) | 3.91% |
| Efficiency ratio | 50.60% (p20 of band) | |
| Noncurrent loans | 0.14% (p27 of band) | 0.43% |
| Net charge-offs (annualized) | 0.26% (p93 of band) | |
| Reserve coverage of noncurrent | 502.04% | |
| Real estate % of loans | 34% | |
| Construction % of loans | 31.15% (p38 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 26.3% | |
| Employees | 89 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | loans exceed deposits, wholesale funding >15% | reserve under noncurrent |
| 2011-12 | 4 |  |  |
| 2012-03 | 1 |  | losing money, expense ratio p90, loans exceed deposits |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | wholesale funding >15% |
| 2013-06 | 1 | expense ratio p90 |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 3 | wholesale funding >15% |  |
| 2014-03 | 1 |  | expense ratio p90, capital falling |
| 2014-06 | 3 | loans exceed deposits, brokered >10% |  |
| 2014-09 | 2 |  | brokered >10% |
| 2014-12 | 0 |  | wholesale funding >15%, loans exceed deposits |
| 2015-03 | 2 | liquid assets <10%, expense ratio p90 |  |
| 2015-06 | 3 | loans exceed deposits, wholesale funding >15% | liquid assets <10% |
| 2015-09 | 5 | brokered >10%, leverage <7%, losing money | loans exceed deposits |
| 2015-12 | 3 |  | wholesale funding >15%, brokered >10% |
| 2016-03 | 2 | NIM <2.5% | leverage <7%, losing money |
| 2016-06 | 2 | assets shrinking | expense ratio p90 |
| 2016-09 | 3 | expense ratio p90, deposits shrinking | NIM <2.5% |
| 2016-12 | 3 | NIM <2.5%, uninsured deposits leaving | assets shrinking, deposits shrinking |
| 2017-03 | 6 | capital falling, losing money, deposits shrinking, assets shrinking | NIM <2.5% |
| 2017-06 | 4 |  | uninsured deposits leaving, capital falling |
| 2017-09 | 4 | brokered >10%, wholesale funding >15% | deposits shrinking, assets shrinking |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 6 | capital falling, assets shrinking |  |
| 2018-12 | 7 | deposits shrinking |  |
| 2019-03 | 7 | NIM <2.5%, charge-offs p90, uninsured deposits leaving | brokered >10%, wholesale funding >15%, capital falling |
| 2019-06 | 5 |  | losing money, NIM <2.5% |
| 2019-09 | 5 |  |  |
| 2019-12 | 5 |  |  |
| 2020-03 | 7 | capital falling, losing money |  |
| 2020-06 | 5 | wholesale funding >15% | assets shrinking, charge-offs p90, uninsured deposits leaving |
| 2020-09 | 4 |  | deposits shrinking |
| 2020-12 | 4 | loans exceed deposits | capital falling |
| 2021-03 | 3 |  | losing money |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 1 |  | wholesale funding >15%, loans exceed deposits |
| 2022-09 | 3 | brokered >10%, wholesale funding >15% |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 7 | loans exceed deposits, losing money, charge-offs p90, uninsured deposits leaving |  |
| 2023-06 | 6 | capital falling | loans exceed deposits, uninsured deposits leaving |
| 2023-09 | 6 | loans exceed deposits | charge-offs p90 |
| 2023-12 | 4 |  | capital falling, loans exceed deposits |
| 2024-03 | 6 | loans exceed deposits, charge-offs p90 |  |
| 2024-06 | 8 | capital falling, uninsured deposits leaving |  |
| 2024-09 | 6 |  | loans exceed deposits, uninsured deposits leaving |
| 2024-12 | 4 | loans exceed deposits, liquid assets <10% | expense ratio p90, losing money, charge-offs p90, capital falling |
| 2025-03 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2025-06 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2026-03 | 5 | loans exceed deposits, capital falling, charge-offs p90 |  |
| 2026-06 | 3 |  | loans exceed deposits, capital falling |

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

- 2026-05-06 [CT bank eyes New York expansion - hartfordbusiness.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE4xV0lyZWNLMXNEQzJfT01Wa2J4cXJxOV9HaHprT1loVmMzVXp1dXlkSEFPR184WFJid0pHQlk3eHRHZVRDLTVQaWtNYlFJbWtIOEdiOVo5aXZWQlVWOE04WUFmUE9qZVA5eHZEUDdaM1RBOXpWYjMyWg?oc=5) · hartfordbusiness.com
- 2026-05-08 [Darien's DR Bank seeks first Westchester branch in White Plains - ctinsider.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNQUE0Y3A0Tl9Zd2M2YW9sRmQ0UTEyMWc5ejVNRnRzWXNWN0ZUcmFQYlZ6MW9nVkNFem44cWVYYzFJclMxMmxQSDdzZDBSb05Kb3pTeXVOZ2tQMWNNQVNZQkEyRkZkb0NOZU1pdjlyNGtadnctdUlXU2RhSWUtV3d6WVhzcXE0a2F6bmNZYnJpdFViV2RkNXFV?oc=5) · ctinsider.com
- 2026-06-17 [CT bank receives state approval for first New York branch - hartfordbusiness.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxOV0tUR2tHSEJfSFFiaDRPWGE5OS0zQzN0VWdRSzZTckF5R3pVcjNaQ3dIdEhCbHdDWDZFejNYRFQ2a0kyWjNxdGZ0cjlNR1NoZElwSi1aVXNxcmJTMzREY1U3a29WOWRMUTBJT3RldEFEUjM1R0RmY3FaNG9QQU9qalM1VjMzZmp1aW16S1FwdnNQMkh3NmQyYUFQVQ?oc=5) · hartfordbusiness.com
- 2026-01-29 [The Best Savings Accounts in Connecticut for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMifEFVX3lxTFBOUUdrZFNReVFERnlxbFNzS3ZrWWZJRUs1UG1VZXh5RTBIRUlUV1RCQmlUaHZ2c3NWamhmd3ZpLWZQSE56ZEtDb0RTbU9KRlV2ZGhDeTlPNWJRUXduczZmcjdJWXFyUFR2aGU3NFRNS3J4eGU2Z3R4a0tjOG4?oc=5) · MoneyRates
- 2019-04-03 [Connecticut regulators approve sale of Darien student lender - Norwalk Hour](https://news.google.com/rss/articles/CBMioAFBVV95cUxNWDVYUmpycVNGbGlOcU0tbXRvcDRDZUk4ZFhob1loWmVGZWk2M1RIYmpGckpFakhscEZwOGVLTTU3d1R3YjlnSGxDYWp3bHVIVlRZNG0xbW9RSERkSWdBOUwxUDdXWUdZWHBheDV2YnhWdWo0LXlMazc3ME9Semo3RXAtZURQOWFaTmVXQm8tSDI2MlhxdUFWY08xVGlweE1M?oc=5) · Norwalk Hour
- 2025-01-28 [Lacey Ryan Appointed as SVP, Chief Information Officer at DR Bank - hrtoday.in](https://news.google.com/rss/articles/CBMijAFBVV95cUxQcC1Vd29Sc1BjN0s0Z3NlbHVQWnNjMzhjdThRSkRSV29SZ0tYQTRHU182RXhWU083WUZ0aktpSmdvdUt2QzhKWGhvZ0xDZENlQ2hJODM0VUZRWUNoUzdndUJLWjd2bjJOc3BTLW02ZUNlTTBsTXFpS0dfZl9GYXZuMWJVbnZGcVlabm9Ebg?oc=5) · hrtoday.in
- 2024-12-12 [Best 6-Month CD Rates for September 2026: Up to 4.31% - Investopedia](https://news.google.com/rss/articles/CBMib0FVX3lxTE5pWW93Vmo2NzZDSmxmOEpuMldZQ1J5M2hyRzdqXzlnNXl5YXZSX1BEN0t0SkFPNlJuZVdQV0VmUGYxeThSdjhyUF9jRmdLRkdZOEZ4MURsTzc4MUVrd3oxbGo4MnpzOS1tMDl5OUFITQ?oc=5) · Investopedia
- 2020-04-02 [Best Bank CD Rates for September 2026: Lock In 4.50% Today - Investopedia](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBqaGNPNHhIeDdXMTZ3SkRkQmpVc0hZVmRQTl8zZFJhTmE0Mzd3akhrTDdTYWxVR2xrNC1sVGpNS1hkNGpQTDg3WTVSX1Q3bEo3WGdGMGNrbW1QRVdkT3dpX251NjA1QQ?oc=5) · Investopedia

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58257 (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/17.json (key "58257", 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