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
Unfavorable gap of $46.0M · efficiency ratio beats 13% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.67% | 0.93% | 1.23% | 1.55% | Beats 11% | 237 / 267 | |
| Return on Equity | 5.21% | 9.16% | 11.84% | 14.56% | Beats 6% | 251 / 267 | |
| Net Interest Margin | 3.35% | 3.12% | 3.50% | 3.88% | Beats 38% | 165 / 267 | |
| Efficiency Ratio | 75.31% | 51.36% | 60.21% | 69.66% | Beats 13% | 232 / 266 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.19% | 0.46% | 0.89% | Beats 94% | 17 / 267 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | Beats 85% | 42 / 267 | |
| Capital |
| Tier 1 Capital Ratio | 14.32% | 11.29% | 13.05% | 15.13% | Beats 68% | 86 / 267 | |
| Total Risk-Based Capital Ratio | 14.32% | 11.95% | 13.87% | 16.27% | Beats 55% | 121 / 267 | |
| Equity / Assets | 12.90% | 9.18% | 10.29% | 11.76% | Beats 85% | 41 / 267 | |
| Liquidity & Funding |
| Loans / Deposits | 102.35% | 72.68% | 86.16% | 95.22% | 87th pctl | 35 / 267 | |
| Loans / Assets | 78.33% | 62.46% | 71.96% | 78.38% | 74th pctl | 69 / 267 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |