Fairfield County Bank
Ridgefield, CT · Cert 18213 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · 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 258).
- Widest gap: return on equity trails 93% of banks $1B-$10B in assets operating in a single state (rank 241 of 258).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.67%
Rank 229 of 258
Net Interest Margin
3.35%
Rank 158 of 258
Efficiency Ratio
75.31%
Rank 224 of 257
Equity / Assets
12.90%
Rank 37 of 258
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% | 1.54% | Beats 11% | 229 / 258 | |
| Return on Equity | 5.21% | 9.26% | 11.84% | 14.74% | Beats 7% | 241 / 258 | |
| Net Interest Margin | 3.35% | 3.16% | 3.49% | 3.88% | Beats 39% | 158 / 258 | |
| Efficiency Ratio | 75.31% | 51.71% | 60.30% | 69.65% | Beats 13% | 224 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.19% | 0.46% | 0.90% | Beats 94% | 17 / 258 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 83% | 45 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 14.32% | 11.41% | 12.98% | 15.12% | Beats 69% | 81 / 258 | |
| Total Risk-Based Capital Ratio | 14.32% | 12.10% | 13.91% | 16.08% | Beats 54% | 118 / 258 | |
| Equity / Assets | 12.90% | 9.09% | 10.24% | 11.72% | Beats 86% | 37 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 102.35% | 73.24% | 86.34% | 95.95% | 87th pctl | 34 / 258 | |
| Loans / Assets | 78.33% | 63.01% | 72.27% | 78.40% | 74th pctl | 68 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |