Ridgefield, CT · Cert 18213 · Fairfield County Bank MHC
SI · FDIC · 17 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets operating in a single state (n=268 to 269). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
68
Asset Quality
89
Profitability
18
Liquidity
9
Efficiency
13
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.
Ridgefield, CT · Cert 18213 · Fairfield County Bank MHC
SI · FDIC · 17 branches
Q2 2026
Market Position · Bridgeport-Stamford-Danbury, CT · 2026 SOD (annual) · 1.9% share · #11 of 25 inst. · $1.5B of $77.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.29% | 0.41% | 0.42% | 0.45% | 0.46% | 0.60% | 0.68% | +26 bps | |
| Return on Equity | 1.68% | 2.70% | 3.17% | 3.27% | 3.54% | 3.61% | 4.69% | 5.29% | +201 bps | |
| Net Interest Margin | 2.37% | 2.44% | 2.98% | 2.98% | 3.00% | 3.02% | 3.28% | 3.35% | +37 bps | |
| Efficiency Ratio | 93.68% | 64.42% | 85.14% | 84.71% | 83.42% | 82.56% | 78.36% | 75.31% | -940 bps | |
| Non-Interest Burden | 2.15% | 0.73% | 2.47% | 2.45% | 2.43% | 2.41% | 2.48% | 2.42% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.26% | -8.75% | -8.74% | -8.34% | -2.05% | 9.12% | 7.22% | 4.88% | +1,323 bps | |
| Loan Growth (YoY) | -2.21% | -2.66% | -2.55% | -1.24% | 1.00% | 6.78% | 7.55% | 8.27% | +951 bps | |
| Deposit Growth (YoY) | -4.73% | -7.02% | -8.57% | -6.83% | -4.48% | 1.02% | 2.73% | 2.77% | +959 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.08% | 0.13% | 0.05% | 0.09% | 0.07% | 0.10% | 0.05% | -1 bps | |
| Net Charge-Offs / Loans | -0.03% | -0.03% | -0.01% | -0.02% | -0.01% | -0.01% | -0.01% | 0.00% | +2 bps | |
| Allowance / Loans | 1.32% | 1.33% | 1.33% | 1.30% | 1.27% | 1.27% | 1.26% | 1.23% | -7 bps | |
| Allowance Coverage of NPLs | 4.1x | 16.1x | 10.1x | 24.5x | 14.7x | 17.8x | 12.3x | 27.3x | +2.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.52% | 13.29% | 14.29% | 14.29% | 14.36% | 14.36% | 14.27% | 14.32% | +3 bps | |
| Total Risk-Based Capital | 12.52% | 13.29% | 14.29% | 14.29% | 14.36% | 14.36% | 14.27% | 14.32% | +3 bps | |
| Equity / Assets | 11.02% | 12.60% | 12.96% | 12.62% | 12.65% | 12.58% | 12.93% | 12.90% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.58% | 100.41% | 99.44% | 97.15% | 98.95% | 106.13% | 104.09% | 102.35% | +520 bps | |
| Liquid Assets / Assets | 1.40% | 0.33% | 0.25% | 3.56% | 5.02% | 4.34% | 2.99% | 3.66% | +10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 301% | 314% | 312% | n/a | n/a | |
Ridgefield, CT · Cert 18213 · Peer group: banks $1B-$10B in assets operating in a single state (n=268-269) · Fairfield County Bank MHC
SI · FDIC · 17 branches
Q2 2026
Return on Assets
0.67%
Rank 240 of 269
Net Interest Margin
3.35%
Rank 167 of 269
Efficiency Ratio
75.31%
Rank 235 of 268
Equity / Assets
12.90%
Rank 43 of 269
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.67% | 0.93% | 1.23% | 1.54% | Beats 11% | 240 / 269 | ||
| Return on Equity | 5.21% | 9.13% | 11.77% | 14.52% | Beats 6% | 252 / 269 | ||
| Net Interest Margin | 3.35% | 3.16% | 3.50% | 3.88% | Beats 38% | 167 / 269 | ||
| Efficiency Ratio | 75.31% | 51.70% | 60.21% | 69.66% | Beats 13% | 235 / 268 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.19% | 0.45% | 0.89% | Beats 94% | 17 / 269 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | Beats 83% | 47 / 269 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.32% | 11.29% | 13.10% | 15.21% | Beats 67% | 88 / 269 | ||
| Total Risk-Based Capital Ratio | 14.32% | 12.04% | 13.91% | 16.33% | Beats 54% | 123 / 269 | ||
| Equity / Assets | 12.90% | 9.18% | 10.29% | 11.76% | Beats 84% | 43 / 269 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.35% | 72.68% | 86.29% | 95.72% | 87th pctl | 34 / 269 | ||
| Loans / Assets | 78.33% | 62.46% | 72.27% | 78.37% | 74th pctl | 69 / 269 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||