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Fairfield County Bank

Ridgefield, CT · Cert 18213 · Fairfield County Bank MHC

SI · FDIC · 17 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=266 to 267). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

69

Q2 2024Q2 2026peer median (50)

Asset Quality

90

Q2 2024Q2 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

9

Q2 2024Q2 2026peer median

Efficiency

13

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Fairfield County Bank

Ridgefield, CT · Cert 18213 · Fairfield County Bank MHC

SI · FDIC · 17 branches

Q2 2026

$1.9BAssets
$1.5BLoans
$1.5BDeposits
$247.7MEquity
Loan mix
88%RE $1.3B12%C&I $0.2B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $1.2B21%Noninterest $0.3BQ2 2025Q2 2026

NIM

3.89%Q2 ’244.15%Q2 ’254.44%Q2 ’26+28%+12%

Non-interest income vs. expense

3.03%Q2 ’242.82%Q2 ’252.75%Q2 ’26+14%-1%

Market Position · Bridgeport-Stamford-Danbury, CT · 2026 SOD (annual) · 1.9% share · #11 of 25 inst. · $1.5B of $77.9B

1.8% Western Connecticut
2.3% Greater Bridgeport

Executive Summary

  • Earnings: ROA of 0.68%, up 26 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.05% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.32%, up 3 bps from a year ago.
  • Funding: loans stand at 102.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+37 bps YoY

Efficiency Ratio (YTD, annualized)

75.31%-940 bps YoY

Tier 1 Leverage Ratio

14.32%+3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.45%0.46%0.60%0.68%+26 bps
Return on Equity3.27%3.54%3.61%4.69%5.29%+201 bps
Net Interest Margin2.98%3.00%3.02%3.28%3.35%+37 bps
Efficiency Ratio84.71%83.42%82.56%78.36%75.31%-940 bps
Non-Interest Burden2.45%2.43%2.41%2.48%2.42%-3 bps
Growth
Asset Growth (YoY)-8.34%-2.05%9.12%7.22%4.88%+1,323 bps
Loan Growth (YoY)-1.24%1.00%6.78%7.55%8.27%+951 bps
Deposit Growth (YoY)-6.83%-4.48%1.02%2.73%2.77%+959 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.09%0.07%0.10%0.05%-1 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.01%-0.01%0.00%+2 bps
Allowance / Loans1.30%1.27%1.27%1.26%1.23%-7 bps
Allowance Coverage of NPLs24.5x14.7x17.8x12.3x27.3x+2.8x
Capital
Tier 1 Leverage Ratio14.29%14.36%14.36%14.27%14.32%+3 bps
Total Risk-Based Capital14.29%14.36%14.36%14.27%14.32%+3 bps
Equity / Assets12.62%12.65%12.58%12.93%12.90%+29 bps
Liquidity & Funding
Loans / Deposits97.15%98.95%106.13%104.09%102.35%+520 bps
Liquid Assets / Assets3.56%5.02%4.34%2.99%3.66%+10 bps
CRE / Total Capitaln/a301%314%312%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Fairfield County Bank

Ridgefield, CT · Cert 18213 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · Fairfield County Bank MHC

SI · FDIC · 17 branches

Q2 2026

$1.9BAssets
$1.5BLoans
$1.5BDeposits
$247.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 94% of banks $1B-$10B in assets operating in a single state (rank 17 of 267).
  • Widest gap: return on equity trails 94% of banks $1B-$10B in assets operating in a single state (rank 251 of 267).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.67%

Rank 237 of 267

Net Interest Margin

3.35%

Rank 165 of 267

Efficiency Ratio

75.31%

Rank 232 of 266

Equity / Assets

12.90%

Rank 41 of 267

Non-interest income vs. expense

$6.2M$52.2MINCOMEEXPENSE
Unfavorable gap of $46.0M · efficiency ratio beats 13% of banks $1B-$10B in assets operating in a single state
Bank 75.31%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.67%0.93%1.23%1.55%Beats 11%237 / 267
Return on Equity5.21%9.16%11.84%14.56%Beats 6%251 / 267
Net Interest Margin3.35%3.12%3.50%3.88%Beats 38%165 / 267
Efficiency Ratio75.31%51.36%60.21%69.66%Beats 13%232 / 266
Asset Quality
Nonperforming Loans / Loans0.05%0.19%0.46%0.89%Beats 94%17 / 267
Net Charge-Offs / Loans0.00%0.01%0.02%0.06%Beats 85%42 / 267
Capital
Tier 1 Capital Ratio14.32%11.29%13.05%15.13%Beats 68%86 / 267
Total Risk-Based Capital Ratio14.32%11.95%13.87%16.27%Beats 55%121 / 267
Equity / Assets12.90%9.18%10.29%11.76%Beats 85%41 / 267
Liquidity & Funding
Loans / Deposits102.35%72.68%86.16%95.22%87th pctl35 / 267
Loans / Assets78.33%62.46%71.96%78.38%74th pctl69 / 267
Brokered Deposits / Depositsn/aNot reported for this institution