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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