Greenwich, CT · Cert 58741 · Fieldpoint Private Holdings
State charter, Fed member · FED · 2 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
12
Asset Quality
31
Profitability
5
Liquidity
95
Efficiency
5
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.
Greenwich, CT · Cert 58741 · Fieldpoint Private Holdings
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Bridgeport-Stamford-Danbury, CT · 2026 SOD (annual) · 0.9% share · #16 of 25 inst. · $0.7B 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 | -1.42% | -1.33% | -3.51% | -2.13% | -1.64% | -1.80% | -0.40% | -0.29% | +185 bps | |
| Return on Equity | -24.33% | -22.99% | -63.36% | -38.29% | -28.80% | -31.40% | -6.82% | -4.70% | +3,359 bps | |
| Net Interest Margin | 0.76% | 0.82% | 0.99% | 1.19% | 1.40% | 1.51% | 1.94% | 2.00% | +80 bps | |
| Efficiency Ratio | 248% | 239% | n/a | 4731% | 411% | 505% | 121.24% | 118.98% | -461,176 bps | |
| Non-Interest Burden | 2.04% | 2.09% | 4.79% | 3.78% | 3.42% | 3.76% | 2.45% | 2.44% | -133 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -18.92% | 5.84% | -10.07% | -20.45% | -25.07% | -27.21% | -15.64% | -19.71% | +74 bps | |
| Loan Growth (YoY) | -9.67% | 0.43% | -12.57% | -16.19% | -17.27% | -29.05% | -18.44% | -22.57% | -638 bps | |
| Deposit Growth (YoY) | -21.69% | 23.60% | 5.68% | -5.80% | -9.86% | -8.93% | 2.58% | -9.34% | -354 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.88% | 2.15% | 2.88% | 2.75% | 2.17% | 2.45% | 3.88% | 1.93% | -81 bps | |
| Net Charge-Offs / Loans | 0.22% | 0.20% | 0.31% | 0.18% | 0.13% | 0.11% | 0.00% | 0.02% | -16 bps | |
| Allowance / Loans | 1.11% | 1.20% | 1.15% | 1.07% | 1.04% | 1.10% | 1.08% | 1.03% | -4 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.4x | 0.4x | 0.5x | 0.4x | 0.3x | 0.5x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 5.82% | 6.05% | 5.65% | 6.27% | 6.35% | 6.11% | 6.59% | 6.62% | +35 bps | |
| Total Risk-Based Capital | 10.30% | 10.71% | 10.77% | 10.55% | 10.74% | 11.27% | 10.97% | 11.18% | +63 bps | |
| Equity / Assets | 5.39% | 5.53% | 5.56% | 5.64% | 6.06% | 5.91% | 5.94% | 6.48% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.64% | 102.90% | 99.50% | 92.75% | 94.20% | 80.16% | 79.10% | 79.22% | -1,354 bps | |
| Liquid Assets / Assets | 13.88% | 14.64% | 12.92% | 10.09% | 7.77% | 14.02% | 15.65% | 9.57% | -51 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 392% | 369% | 377% | n/a | n/a | |
Greenwich, CT · Cert 58741 · Peer group: banks under $1B in assets (n=581-629) · Fieldpoint Private Holdings
State charter, Fed member · FED · 2 branches
Q2 2026
Return on Assets
-0.30%
Rank 586 of 629
Net Interest Margin
2.00%
Rank 606 of 629
Efficiency Ratio
118.98%
Rank 599 of 629
Equity / Assets
6.48%
Rank 610 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.30% | 0.60% | 1.01% | 1.45% | Beats 7% | 586 / 629 | ||
| Return on Equity | -4.68% | 5.38% | 9.30% | 13.28% | Beats 5% | 596 / 629 | ||
| Net Interest Margin | 2.00% | 3.03% | 3.54% | 4.05% | Beats 4% | 606 / 629 | ||
| Efficiency Ratio | 118.98% | 58.35% | 67.79% | 79.08% | Beats 5% | 599 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.93% | 0.09% | 0.46% | 1.20% | Beats 14% | 500 / 581 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 48% | 307 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.09% | 11.24% | 13.84% | 18.77% | Beats 12% | 551 / 629 | ||
| Total Risk-Based Capital Ratio | 11.18% | 11.58% | 14.43% | 19.66% | Beats 21% | 499 / 629 | ||
| Equity / Assets | 6.48% | 9.09% | 10.65% | 13.80% | Beats 3% | 610 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.22% | 67.24% | 80.90% | 93.48% | 48th pctl | 310 / 594 | ||
| Loans / Assets | 71.42% | 53.31% | 67.71% | 78.15% | 57th pctl | 269 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||