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 | |