First Bank of Greenwich, The
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
$812.3MAssets
$726.5MLoans
$680.7MDeposits
$75.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: net interest margin trails 81% of banks under $1B in assets (rank 512 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $14.8M · efficiency ratio beats 57% of banks under $1B in assets | 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 |