TellerScore

Ascend Bank is a si headquartered in Guilford, Connecticut, in business for about 151 years. At the end of Q2 2026 it reported $1.5B in total assets and $1.3B in deposits, with 13 offices.

Ascend Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 897 banks with $1 billion – $10 billion. Among 27 banks headquartered in Connecticut, it ranks 15th. Problem-loan coverage contributes the most (93/100, 3.7%); capital cushion contributes the least (47/100, 9.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.65%
Loan quality83/100
Noncurrent loans ÷ total loans: 0.50%
Earnings61/100
Return on assets (annualized): 1.03%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 87.5% · 23.6% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.66%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (68 → 66), mostly because the earnings component improved by 25 points.

TellerScore
626568Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202467
Q4 202466
Q1 202567
Q2 202568
Q3 202562
Q4 202562
Q1 202665
Q2 202666
Tier 1 leverage ratio
5.00%8.11%11.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.22%
Q3 202411.09%
Q4 202410.91%
Q1 202510.79%
Q2 202510.91%
Q3 20259.33%
Q4 20259.35%
Q1 20269.58%
Q2 20269.65%
Noncurrent loans
0.15%0.33%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.18%
Q3 20240.22%
Q4 20240.24%
Q1 20250.15%
Q2 20250.18%
Q3 20250.30%
Q4 20250.36%
Q1 20260.41%
Q2 20260.50%
Return on assets
0.12%0.58%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.12%
Q3 20240.21%
Q4 20240.17%
Q1 20250.23%
Q2 20250.39%
Q3 20250.49%
Q4 20250.49%
Q1 20260.87%
Q2 20261.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$1.5B9.65%0.50%1.03%87.5%
Q1 202665$1.5B9.58%0.41%0.87%86.2%
Q4 202562$1.5B9.35%0.36%0.49%87.9%
Q3 202562$1.4B9.33%0.30%0.49%87.0%
Q2 202568$1.2B10.91%0.18%0.39%85.0%
Q1 202567$1.2B10.79%0.15%0.23%83.3%
Q4 202466$1.2B10.91%0.24%0.17%83.8%
Q3 202467$1.2B11.09%0.22%0.21%84.0%
Q2 202467$1.1B11.22%0.18%0.12%84.3%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.65%
27th
Total risk-based capital0.00%
13th
Problem loans0.50%
51st
Net charge-offs0.06%
39th
Return on assets1.03%
33rd
Net interest margin3.45%
35th
Efficiency ratio67.5%
27th
Loans to deposits87.5%
49th
Uninsured deposits23.6%
74th
Loan-loss reserves0.76%
13th
Texas ratio3.7%
49th

Similar-size banks in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Patriot Bank, National AssociationBank Stamford, CT36 out of 100, Low$1.3B9.6%2.75%vs
Ives BankBank Danbury, CT67 out of 100, Moderate$1.7B13.9%1.41%vs
Northwest Community BankBank Winsted, CT56 out of 100, Moderate$1.3B8.7%0.60%vs
Chelsea Groton BankBank Groton, CT82 out of 100, Strong$1.8B16.7%0.48%vs
Dime BankBank Norwich, CT72 out of 100, Strong$1.2B11.8%0.20%vs
Newtown Savings BankBank Newtown, CT65 out of 100, Moderate$1.9B9.5%0.37%vs

Deposit insurance

Is my money safe at Ascend Bank?

Yes. Ascend Bank is an FDIC-insured institution (FDIC certificate #18194). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.6% of deposits ($311.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.65%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

13 locations

Branches

Ascend Bank lists 12 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Ascend Bank reported 386 home-loan applications under HMDA (LEI 254900C1CRYSCHG38F20): 297 originated ($99,055,000 total), 48 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Ascend Bank
Former names
The Guilford Savings Bank
Type
SI
FDIC certificate #
18194
RSSD ID
831008
Primary regulator
FDIC
Holding company
Ascend Mutual Holding
Established
December 6, 1875
Headquarters
1 Park St, Guilford, CT 06437
Employees
171

Quick answers

Ascend Bank: common questions

Is Ascend Bank FDIC insured?

Yes. Ascend Bank is an FDIC-insured institution (FDIC certificate #18194). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Ascend Bank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Ascend Bank ever failed?

There is no failure record for FDIC certificate #18194 in the FDIC failed bank list.

How many branches does Ascend Bank have?

13 offices as of the latest FDIC data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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