New Haven, CT · Cert 58952 · First City Fund Corp.
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · New Haven, CT · 2026 SOD (annual) · 0.8% share · #14 of 17 inst. · $0.2B of $20.4B
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 | -0.52% | -2.05% | -0.38% | -0.32% | -0.16% | -0.01% | 0.12% | 0.18% | +49 bps | |
| Return on Equity | -5.21% | -21.41% | -4.82% | -3.99% | -1.98% | -0.17% | 1.48% | 2.20% | +619 bps | |
| Net Interest Margin | 2.38% | 2.31% | 2.43% | 2.50% | 2.66% | 2.70% | 3.07% | 3.09% | +59 bps | |
| Efficiency Ratio | 130.69% | 127.50% | 114.97% | 112.08% | 105.76% | 99.98% | 96.15% | 94.36% | -1,772 bps | |
| Non-Interest Burden | 3.06% | 2.96% | 2.82% | 2.82% | 2.82% | 2.70% | 2.95% | 2.91% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.91% | 5.28% | 2.84% | 1.47% | -0.65% | 0.60% | 0.16% | 3.12% | +164 bps | |
| Loan Growth (YoY) | 6.38% | 3.71% | 1.38% | 0.33% | -0.09% | -0.62% | 0.78% | 1.56% | +123 bps | |
| Deposit Growth (YoY) | -0.45% | 2.79% | 0.25% | 6.48% | 5.77% | 5.87% | 5.76% | 5.13% | -135 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.15% | 0.00% | 0.00% | 0.32% | 0.32% | 0.31% | 0.31% | 0.27% | -5 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.02% | 0.01% | 0.08% | 0.03% | 0.02% | 0.04% | 0.03% | -6 bps | |
| Allowance / Loans | 1.12% | 1.14% | 1.15% | 1.12% | 1.13% | 1.14% | 1.13% | 1.12% | 0 bps | |
| Allowance Coverage of NPLs | 7.5x | n/a | n/a | 3.5x | 3.6x | 3.6x | 3.6x | 4.2x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.79% | 8.31% | 8.19% | 8.14% | 8.33% | 8.24% | 8.25% | 8.23% | +9 bps | |
| Total Risk-Based Capital | 11.88% | 11.79% | 11.87% | 11.72% | 11.81% | 11.76% | 11.84% | 11.94% | +22 bps | |
| Equity / Assets | 9.75% | 7.83% | 7.87% | 8.00% | 8.10% | 7.91% | 8.03% | 7.99% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 121.02% | 117.04% | 115.38% | 112.65% | 114.32% | 109.86% | 109.95% | 108.83% | -382 bps | |
| Liquid Assets / Assets | 6.14% | 7.94% | 8.48% | 6.52% | 6.24% | 7.79% | 6.58% | 4.98% | -154 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 471% | 480% | 482% | n/a | n/a | |