TellerScore

Ives Bank is a si headquartered in Danbury, Connecticut, in business for about 177 years. At the end of Q2 2026 it reported $1.7B in total assets and $1.4B in deposits, with 16 offices.

Based on its Q2 2026 filing, Ives Bank scores 67/100, which we describe as moderate. That is higher than only 44% of 897 banks with $1 billion – $10 billion. Among 27 banks headquartered in Connecticut, it ranks 14th. Its strongest component is capital cushion (89/100; 13.87%), and its lowest is funding & liquidity (41/100; 104% loans-to-deposits, 29% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion89/100
Tier 1 leverage ratio: 13.87%
Loan quality53/100
Noncurrent loans ÷ total loans: 1.41%
Earnings63/100
Return on assets (annualized): 1.08%
Funding & liquidity41/100
Loans ÷ deposits and uninsured-deposit share: 104.0% · 28.8% uninsured
Problem-loan coverage84/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.16%

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 rose 6 points (61 → 67), mostly because the loan quality component improved by 10 points.

TellerScore
576267Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202459
Q4 202458
Q1 202560
Q2 202561
Q3 202563
Q4 202565
Q1 202666
Q2 202667
Tier 1 leverage ratio
5.00%9.43%13.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.82%
Q3 202412.77%
Q4 202412.85%
Q1 202513.15%
Q2 202513.36%
Q3 202513.47%
Q4 202513.61%
Q1 202613.84%
Q2 202613.87%
Noncurrent loans
1.41%1.65%1.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.89%
Q3 20241.71%
Q4 20241.81%
Q1 20251.72%
Q2 20251.70%
Q3 20251.54%
Q4 20251.45%
Q1 20261.42%
Q2 20261.41%
Return on assets
0.80%0.94%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.90%
Q3 20240.94%
Q4 20240.91%
Q1 20250.80%
Q2 20250.92%
Q3 20250.93%
Q4 20250.98%
Q1 20261.01%
Q2 20261.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$1.7B13.87%1.41%1.08%104.0%
Q1 202666$1.7B13.84%1.42%1.01%103.1%
Q4 202565$1.7B13.61%1.45%0.98%102.2%
Q3 202563$1.7B13.47%1.54%0.93%107.9%
Q2 202561$1.7B13.36%1.70%0.92%106.9%
Q1 202560$1.6B13.15%1.72%0.80%107.1%
Q4 202458$1.6B12.85%1.81%0.91%106.7%
Q3 202459$1.6B12.77%1.71%0.94%112.4%
Q2 202457$1.6B12.82%1.89%0.90%116.9%

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 ratio13.87%
89th
Total risk-based capital0.00%
13th
Problem loans1.41%
18th
Net charge-offs-0.00%
89th
Return on assets1.08%
36th
Net interest margin3.46%
35th
Efficiency ratio62.5%
38th
Loans to deposits104.0%
8th
Uninsured deposits28.8%
56th
Loan-loss reserves1.29%
69th
Texas ratio8.2%
23rd

Similar-size banks in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Chelsea Groton BankBank Groton, CT82 out of 100, Strong$1.8B16.7%0.48%vs
Newtown Savings BankBank Newtown, CT65 out of 100, Moderate$1.9B9.5%0.37%vs
Fairfield County BankBank Ridgefield, CT76 out of 100, Strong$1.9B14.3%0.05%vs
Thomaston Savings BankBank Thomaston, CT68 out of 100, Moderate$1.9B10.7%0.65%vs
Ascend BankBank Guilford, CT66 out of 100, Moderate$1.5B9.7%0.50%vs
Patriot Bank, National AssociationBank Stamford, CT36 out of 100, Low$1.3B9.6%2.75%vs

Deposit insurance

Is my money safe at Ives Bank?

Yes. Ives Bank is an FDIC-insured institution (FDIC certificate #15912). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.8% of deposits ($394.0M) 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 13.87%, well 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

16 locations

Branches

Ives Bank lists 16 offices in 10 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Ives Bank reported 239 home-loan applications under HMDA (LEI 54930023C70YMJJDRL61): 171 originated ($130,495,000 total), 21 denied, and 46 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.9%, 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
Ives Bank
Former names
Savings Bank of Danbury
Type
SI
FDIC certificate #
15912
RSSD ID
626101
Primary regulator
FDIC
Holding company
Ives Mutual Holding Co Inc
Established
June 26, 1849
Headquarters
220 Main St, Danbury, CT 06810
Employees
188

Quick answers

Ives Bank: common questions

Is Ives Bank FDIC insured?

Yes. Ives Bank is an FDIC-insured institution (FDIC certificate #15912). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Ives Bank's TellerScore?

67 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 Ives Bank ever failed?

There is no failure record for FDIC certificate #15912 in the FDIC failed bank list.

How many branches does Ives Bank have?

16 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Danbury

InstitutionScoreAssetsCapitalProblem loansCompare
Waterbury Connecticut Teachers Federal Credit UnionCredit union Waterbury, CT91 out of 100, Very strong$365.2M17.1%0.26%vs
Bridgeport Police Federal Credit UnionCredit union Bridgeport, CT86 out of 100, Very strong$29.6M18.7%1.65%vs
Sikorsky Financial Credit UnionCredit union Stratford, CT84 out of 100, Strong$1.5B12.9%0.25%vs
The Putnam County National Bank of CarmelBank Carmel, NY83 out of 100, Strong$182.7M26.8%0.48%vs
East End Baptist Tabernacle Federal Credit UnionCredit union Bridgeport, CT82 out of 100, Strong$140K14.8%0.00%vs
Liberty BankBank Middletown, CT79 out of 100, Strong$9.4B13.4%0.32%vs