PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fieldpoint Private Bank & Trust

Greenwich, CT · Cert 58741 · Fieldpoint Private Holdings

State charter, Fed member · FED · 2 branches

Q2 2026

$867.1MAssets
$619.3MLoans
$781.8MDeposits
$56.2MEquity
Loan mix
79%RE $508.5M13%C&I $81.6M9%Consumer $56.5MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $678.1M13%Noninterest $103.7MQ2 2025Q2 2026

NIM

4.79%Q2 ’245.01%Q2 ’254.84%Q2 ’26+59%+67%

Non-interest income vs. expense

2.19%Q2 ’242.64%Q2 ’252.80%Q2 ’26+83%-35%

Market Position · Bridgeport-Stamford-Danbury, CT · 2026 SOD (annual) · 0.9% share · #16 of 25 inst. · $0.7B of $77.9B

1.0% Western Connecticut
0.0% New York

Executive Summary

  • Earnings: ROA of -0.29%, up 185 bps year over year; NIM at 2.00%.
  • Asset quality: problem loans at 1.93% of loans (-81 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 6.62%, up 35 bps from a year ago.
  • Funding: loans stand at 79.22% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.29%+185 bps YoY

Net Interest Margin (YTD, annualized)

2.00%+80 bps YoY

Efficiency Ratio (YTD, annualized)

118.98%-461,176 bps YoY

Tier 1 Leverage Ratio

6.62%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.13%-1.64%-1.80%-0.40%-0.29%+185 bps
Return on Equity-38.29%-28.80%-31.40%-6.82%-4.70%+3,359 bps
Net Interest Margin1.19%1.40%1.51%1.94%2.00%+80 bps
Efficiency Ratio4731%411%505%121.24%118.98%-461,176 bps
Non-Interest Burden3.78%3.42%3.76%2.45%2.44%-133 bps
Growth
Asset Growth (YoY)-20.45%-25.07%-27.21%-15.64%-19.71%+74 bps
Loan Growth (YoY)-16.19%-17.27%-29.05%-18.44%-22.57%-638 bps
Deposit Growth (YoY)-5.80%-9.86%-8.93%2.58%-9.34%-354 bps
Asset Quality
Nonperforming Loans / Loans2.75%2.17%2.45%3.88%1.93%-81 bps
Net Charge-Offs / Loans0.18%0.13%0.11%0.00%0.02%-16 bps
Allowance / Loans1.07%1.04%1.10%1.08%1.03%-4 bps
Allowance Coverage of NPLs0.4x0.5x0.4x0.3x0.5x+0.1x
Capital
Tier 1 Leverage Ratio6.27%6.35%6.11%6.59%6.62%+35 bps
Total Risk-Based Capital10.55%10.74%11.27%10.97%11.18%+63 bps
Equity / Assets5.64%6.06%5.91%5.94%6.48%+84 bps
Liquidity & Funding
Loans / Deposits92.75%94.20%80.16%79.10%79.22%-1,354 bps
Liquid Assets / Assets10.09%7.77%14.02%15.65%9.57%-51 bps
CRE / Total Capitaln/a392%369%377%n/an/a