TellerScore

New Haven Bank is a state-chartered bank (fed member) headquartered in New Haven, Connecticut, in business for about 16 years. At the end of Q2 2026 it reported $200.0M in total assets and $155.1M in deposits, with 2 offices.

New Haven Bank has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 2,650 banks with $100 million – $1 billion. Among 27 banks headquartered in Connecticut, it ranks 24th. Problem-loan coverage contributes the most (95/100, 2.5%); earnings contributes the least (27/100, 0.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion32/100
Tier 1 leverage ratio: 8.23%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.27%
Earnings27/100
Return on assets (annualized): 0.18%
Funding & liquidity36/100
Loans ÷ deposits and uninsured-deposit share: 107.6% · 30.0% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.53%

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 5 points (48 → 53), mostly because the earnings component improved by 20 points.

TellerScore
485153Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202451
Q3 202451
Q4 202451
Q1 202551
Q2 202548
Q3 202549
Q4 202551
Q1 202652
Q2 202653
Tier 1 leverage ratio
5.00%6.98%8.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.96%
Q3 20248.79%
Q4 20248.31%
Q1 20258.19%
Q2 20258.14%
Q3 20258.33%
Q4 20258.24%
Q1 20268.25%
Q2 20268.23%
Noncurrent loans
0.00%0.16%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.23%
Q3 20240.15%
Q4 20240.00%
Q1 20250.00%
Q2 20250.32%
Q3 20250.32%
Q4 20250.31%
Q1 20260.31%
Q2 20260.27%
Return on assets
-2.05%-0.94%0.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.52%
Q3 2024-0.52%
Q4 2024-2.05%
Q1 2025-0.38%
Q2 2025-0.32%
Q3 2025-0.16%
Q4 2025-0.01%
Q1 20260.12%
Q2 20260.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$200.0M8.23%0.27%0.18%107.6%
Q1 202652$198.2M8.25%0.31%0.12%108.7%
Q4 202551$200.9M8.24%0.31%-0.01%108.6%
Q3 202549$193.6M8.33%0.32%-0.16%113.0%
Q2 202548$194.0M8.14%0.32%-0.32%111.4%
Q1 202551$197.9M8.19%0.00%-0.38%114.0%
Q4 202451$199.7M8.31%0.00%-2.05%115.7%
Q3 202451$194.8M8.79%0.15%-0.52%119.7%
Q2 202451$191.2M8.96%0.23%-0.52%118.2%

2,650 peers · $100 million – $1 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 ratio8.23%
3rd
Total risk-based capital11.94%
52nd
Problem loans0.27%
59th
Net charge-offs0.03%
36th
Return on assets0.18%
5th
Net interest margin3.25%
18th
Efficiency ratio94.4%
3rd
Loans to deposits107.6%
4th
Uninsured deposits30.0%
28th
Loan-loss reserves1.12%
41st
Texas ratio2.5%
52nd

Similar-size banks in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
The National Iron BankBank Salisbury, CT63 out of 100, Moderate$318.0M8.5%0.00%vs
Jewett City Savings BankBank Jewett City, CT69 out of 100, Moderate$493.9M14.4%1.01%vs
Stafford Savings BankBank Stafford Springs, CT95 out of 100, Very strong$507.0M50.6%0.56%vs
Connecticut Community Bank, National AssociationBank Norwalk, CT75 out of 100, Strong$526.0M13.1%0.02%vs
Essex BankBank Essex, CT72 out of 100, Strong$536.6M12.9%1.27%vs
The Milford BankBank Milford, CT63 out of 100, Moderate$652.0M9.9%0.49%vs

Deposit insurance

Is my money safe at New Haven Bank?

Yes. New Haven Bank is an FDIC-insured institution (FDIC certificate #58952). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.0% of deposits ($46.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.23%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.94% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

New Haven Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
New Haven Bank
Former names
Start Community Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
58952
RSSD ID
3843392
Primary regulator
FED
Holding company
First City Fund Corp
Established
December 20, 2010
Headquarters
299 Whalley Ave, New Haven, CT 06511
Employees
23

Quick answers

New Haven Bank: common questions

Is New Haven Bank FDIC insured?

Yes. New Haven Bank is an FDIC-insured institution (FDIC certificate #58952). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is New Haven Bank's TellerScore?

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

Has New Haven Bank ever failed?

There is no failure record for FDIC certificate #58952 in the FDIC failed bank list.

How many branches does New Haven Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near New Haven

InstitutionScoreAssetsCapitalProblem loansCompare
Waterbury Connecticut Teachers Federal Credit UnionCredit union Waterbury, CT91 out of 100, Very strong$365.2M17.1%0.26%vs
State Police Credit Union Inc.Credit union Meriden, CT91 out of 100, Very strong$84.0M15.1%0.06%vs
New Haven Teachers Federal Credit UnionCredit union New Haven, CT90 out of 100, Very strong$10.2M32.0%0.13%vs
New Haven Firefighters Credit UnionCredit union New Haven, CT89 out of 100, Very strong$5.9M26.3%0.00%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