Fairfield County Bank
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
$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 269).
- Widest gap: return on equity trails 94% of banks $1B-$10B in assets operating in a single state (rank 252 of 269).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
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 | 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 |