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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

4.97%Q2 ’244.74%Q2 ’254.79%Q2 ’26+52%+62%

Non-interest income vs. expense

2.47%Q2 ’242.68%Q2 ’252.67%Q2 ’26-10%+15%

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 -0.16%, up 50 bps year over year; NIM at 2.04%.
  • Asset quality: problem loans at 1.93% of loans (-81 bps YoY), with net charge-offs at 0.05%.
  • 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 (quarter, annualized)

-0.16%+50 bps YoY

Net Interest Margin (quarter, annualized)

2.04%+78 bps YoY

Efficiency Ratio (quarter, annualized)

116.60%-2,949 bps YoY

Tier 1 Leverage Ratio

6.62%+35 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.66%-0.53%-2.36%-0.40%-0.16%+50 bps
Return on Equity-11.87%-9.05%-39.44%-6.82%-2.58%+929 bps
Net Interest Margin1.26%1.73%1.65%1.94%2.04%+78 bps
Efficiency Ratio146.09%140.36%1645%121.24%116.60%-2,949 bps
Non-Interest Burden2.10%2.47%4.23%2.45%2.42%+31 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 / Loans0.06%0.00%0.00%0.00%0.05%-1 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