BlastPoint's Banking Scorecard

First County Bank

$1B-$10B Specialty: Commercial CT FDIC cert 18204

Designations: ✓ Community bank ✓ Mutual

Stamford, CT

14 branches across CT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 15 in CT.
Deposits +9.4% year over year ($1.9B on the books).
Delinquency rate 0.24%.
Return on assets 0.46%.
Efficiency ratio 80.54% vs a 59.73% peer average.
Loan-to-deposit ratio 98.78% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 15 in CT

View $1B-$10B leaderboard (CT) →

First County Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 22.2% in tier
- Efficiency Drag: Bottom 60.0% in tier
- Return on Assets 0.93% below tier average
- Net Interest Margin 1.39% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Total Assets ?	$2.4B +8.7% YoY +2.7% QoQ	-$370.9M	$2.8B -0.6% YoY	$4.8B +5.5% YoY	$6.3B +7.7% YoY	60%
Total Loans ?	$1.9B +13.1% YoY +6.1% QoQ	-$67.2M	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	64%
Total Deposits ?	$1.9B +9.4% YoY +8.4% QoQ	-$399.4M	$2.3B -0.5% YoY	$3.9B +6.2% YoY	$4.9B +7.3% YoY	57%
Return on Assets ?	0.46% +170.2% YoY +88.4% QoQ	-0.93%	1.39% +17.0% YoY	1.11% +57.7% YoY	1.30% +12.1% YoY	Bottom 6.7% in tier
Net Interest Margin ?	2.48% +23.6% YoY +5.0% QoQ	-1.39%	3.87% +6.2% YoY	3.44% +11.6% YoY	3.95% +4.9% YoY	Bottom 4.4% in tier
Efficiency Ratio ?	80.54% -9.6% YoY +0.9% QoQ	+20.81%	59.73% -12.6% YoY	72.27% -70.9% YoY	70.05% +2.5% YoY	Bottom 6.6% in tier
Delinquency Rate ?	0.24% +76.1% YoY -1.7% QoQ	-0.62%	0.87% +11.7% YoY	0.70% -4.9% YoY	0.98% +16.3% YoY	75%
Loan-to-Deposit Ratio ?	98.78% +3.4% YoY -2.1% QoQ	+13.74%	85.04% -0.1% YoY	91.71% +1.4% YoY	79.03% +2.3% YoY	18%
Non-Interest-Bearing Deposit Share ?	19.81% +0.2% YoY -3.4% QoQ	-1.46%	21.27% -1.5% YoY	22.06% +1.6% YoY	21.98% -0.6% YoY	50%
Nonperforming Asset Ratio ?	0.19% +83.1% YoY +1.6% QoQ	-0.48%	0.67% +11.7% YoY	0.53% -3.6% YoY	0.69% +15.8% YoY	73%
Tier 1 Capital Ratio ?	12.08% -10.2% YoY -4.8% QoQ	-2.76%	14.84% -0.4% YoY	14.05% -0.0% YoY	17.09% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.20% -18.7% YoY +102.9% QoQ	-0.33%	0.53% +2.5% YoY	0.35% +5.1% YoY	0.66% +5.2% YoY	31%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Noninterest-Bearing	19.8% 0.0pp YoY -0.7pp QoQ	-1.6pp	21.4%	22.1%	22.2%	50%
Brokered Deposits	5.5% +2.1pp YoY +3.8pp QoQ	-3.9pp	9.5%	8.1%	8.5%	52%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
C&I	4.1% -0.7pp YoY -0.7pp QoQ	-9.9pp	14.0%	11.4%	12.5%	14%
CRE	58.5% +7.2pp YoY +3.2pp QoQ	+8.5pp	50.0%	42.4%	41.4%	72%
1-4 Family	37.6% -6.5pp YoY -2.6pp QoQ	+11.2pp	26.4%	42.2%	31.3%	79%
Consumer	0.6% -0.2pp YoY 0.0pp QoQ	-4.1pp	4.7%	4.1%	5.0%	34%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
CET1 Ratio	12.1% -1.4pp YoY -0.6pp QoQ	-3.5pp	15.6%	15.0%	19.7%	26%
Leverage Ratio	9.6% +0.1pp YoY 0.0pp QoQ	-1.8pp	11.3%	12.7%	12.6%	23%
Total Capital Ratio	13.0% -1.6pp YoY -0.8pp QoQ	-3.7pp	16.7%	16.0%	20.8%	21%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Full-Time Employees	196 -3 (-1.5%) YoY +4 (+2.1%) QoQ	-118	313	342	482	40%
Assets per Employee ($)	$12.4M +10.4% YoY +0.6% QoQ	+$1.9M	$10.5M	$9.9M	$8.8M	80%
Branch Count	14 0 YoY 0 QoQ	-6	20	19	18	46%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.2%	0.4%	6%
Nonaccrual	0.2% +0.1pp YoY 0.0pp QoQ	-0.6pp	0.8%	0.7%	1.0%	25%
Allowance Coverage	3.63x -52.7% YoY -13.3% QoQ	-15.08x	18.71x	4.87x	20.23x	69%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	48%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
ROE	5.8% +3.6pp YoY +2.7pp QoQ	-6.8pp	12.6%	8.2%	11.6%	11%
Cost of Funds (YTD)	2.2% -0.4pp YoY 0.0pp QoQ	+0.3pp	1.9%	1.7%	1.7%	72%
Net Income ($, YTD)	$5.4M +179.8% YoY — QoQ	-$13.8M	$19.2M	$28.0M	$40.4M	14%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#110 of 492 • Bottom 22.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.24%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#37 of 60 • Bottom 60.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.54%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

60 of 60 Mid-Market banks match · 426 nationally

↓ Shrinking -64 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

847

Net Interest Margin

profitability

Value: 2.48%

Peer Median: 3.87%

#847 of 885 Bottom 4.4% in $1B-$10B

828

Efficiency Ratio

profitability

Value: 80.54%

Peer Median: 59.73%

#828 of 885 Bottom 6.6% in $1B-$10B

827

Return on Assets

profitability

Value: 0.46%

Peer Median: 1.39%

#827 of 885 Bottom 6.7% in $1B-$10B

729

Loan-to-Deposit Ratio

liquidity

Value: 98.78%

Peer Median: 85.04%

#729 of 885 Bottom 17.7% in $1B-$10B