Cos Cob, CT · Cert 58307 · First Greenwich Financial Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
28
Asset Quality
62
Profitability
33
Liquidity
0
Efficiency
57
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Cos Cob, CT · Cert 58307 · First Greenwich Financial Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Bridgeport-Stamford-Danbury, CT · 2026 SOD (annual) · 0.7% share · #17 of 25 inst. · $0.6B 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 | 0.47% | 0.46% | 0.50% | 0.62% | 0.69% | 0.57% | 0.79% | 0.82% | +20 bps | |
| Return on Equity | 5.41% | 5.38% | 6.00% | 7.30% | 7.95% | 6.61% | 8.74% | 8.93% | +163 bps | |
| Net Interest Margin | 2.09% | 2.07% | 2.35% | 2.50% | 2.69% | 2.78% | 2.88% | 2.86% | +36 bps | |
| Efficiency Ratio | 72.61% | 72.51% | 73.45% | 69.01% | 67.53% | 73.44% | 66.21% | 65.69% | -332 bps | |
| Non-Interest Burden | 1.47% | 1.46% | 1.69% | 1.68% | 1.77% | 2.00% | 1.85% | 1.83% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.94% | 9.37% | 10.05% | 8.52% | 0.44% | -0.58% | -1.30% | 1.13% | -739 bps | |
| Loan Growth (YoY) | 8.25% | 9.73% | 12.59% | 10.80% | 5.06% | 2.50% | -0.04% | 1.61% | -918 bps | |
| Deposit Growth (YoY) | 6.23% | 2.25% | 0.11% | 10.55% | 2.97% | 5.32% | 6.50% | -0.91% | -1,146 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.00% | 0.79% | 1.30% | +130 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.03% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.06% | 1.07% | 1.06% | 1.08% | 1.10% | 1.09% | 1.10% | 1.08% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 1.1x | 1.4x | 0.8x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.81% | 8.58% | 8.43% | 8.58% | 8.94% | 9.08% | 9.25% | 9.26% | +68 bps | |
| Total Risk-Based Capital | 11.90% | 11.68% | 11.57% | 11.87% | 12.12% | 11.92% | 12.27% | 12.34% | +46 bps | |
| Equity / Assets | 8.41% | 8.38% | 8.39% | 8.74% | 9.00% | 9.00% | 9.15% | 9.32% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 106.91% | 110.16% | 117.39% | 104.08% | 109.07% | 107.21% | 110.19% | 106.73% | +266 bps | |
| Liquid Assets / Assets | 9.93% | 8.70% | 7.60% | 6.68% | 6.39% | 5.26% | 6.53% | 6.38% | -30 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 554% | 554% | 549% | n/a | n/a | |
Cos Cob, CT · Cert 58307 · Peer group: banks under $1B in assets (n=581-629) · First Greenwich Financial Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.81%
Rank 410 of 629
Net Interest Margin
2.86%
Rank 512 of 629
Efficiency Ratio
65.69%
Rank 274 of 629
Equity / Assets
9.32%
Rank 446 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.81% | 0.60% | 1.01% | 1.45% | Beats 35% | 410 / 629 | ||
| Return on Equity | 8.72% | 5.38% | 9.30% | 13.28% | Beats 45% | 348 / 629 | ||
| Net Interest Margin | 2.86% | 3.03% | 3.54% | 4.05% | Beats 19% | 512 / 629 | ||
| Efficiency Ratio | 65.69% | 58.35% | 67.79% | 79.08% | Beats 57% | 274 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.30% | 0.09% | 0.46% | 1.20% | Beats 23% | 447 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.10% | 11.24% | 13.84% | 18.77% | Beats 24% | 480 / 629 | ||
| Total Risk-Based Capital Ratio | 12.34% | 11.58% | 14.43% | 19.66% | Beats 32% | 428 / 629 | ||
| Equity / Assets | 9.32% | 9.09% | 10.65% | 13.80% | Beats 29% | 446 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 106.73% | 67.24% | 80.90% | 93.48% | 93rd pctl | 43 / 594 | ||
| Loans / Assets | 89.44% | 53.31% | 67.71% | 78.15% | 99th pctl | 8 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||