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 | |