BlastPoint's Banking Scorecard
Fairfield County Bank
Designations: ✓ Community bank
Ridgefield, CT
17 branches across CT
Fairfield County Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 45.0% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 18.58% above tier average
- - ROA 0.77% below tier average
- - Net Interest Margin 0.36% below tier average
- - Efficiency Ratio 17.30% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+7.2% YoY
-1.7% QoQ
|
-$928.4M |
$2.8B
-0.1% YoY
|
$4.6B
+6.9% YoY
|
$6.2B
+9.1% YoY
|
47% |
| Total Loans ? |
$1.5B
+7.6% YoY
+0.4% QoQ
|
-$497.6M |
$2.0B
+0.6% YoY
|
$3.2B
+8.3% YoY
|
$3.2B
+10.8% YoY
|
52% |
| Total Deposits ? |
$1.4B
+2.7% YoY
+2.4% QoQ
|
-$915.9M |
$2.3B
-0.3% YoY
|
$3.7B
+5.9% YoY
|
$4.8B
+8.2% YoY
|
43% |
| Return on Assets ? |
0.60%
+47.5% YoY
+30.7% QoQ
|
-0.77% |
1.37%
+19.6% YoY
|
0.98%
+59.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.3% in tier |
| Net Interest Margin ? |
3.46%
+4.8% YoY
+5.1% QoQ
|
-0.36% |
3.82%
+6.9% YoY
|
3.30%
+11.1% YoY
|
3.89%
+5.7% YoY
|
38% |
| Efficiency Ratio ? |
78.36%
-8.0% YoY
-5.1% QoQ
|
+17.30% |
61.06%
-4.6% YoY
|
74.04%
-0.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.2% in tier |
| Delinquency Rate ? |
0.10%
-22.6% YoY
+43.3% QoQ
|
-0.78% |
0.89%
+14.1% YoY
|
0.76%
+15.1% YoY
|
0.95%
+18.8% YoY
|
Top 12.0% in tier |
| Loan-to-Deposit Ratio ? |
102.79%
+4.8% YoY
-1.9% QoQ
|
+18.58% |
84.20%
+0.3% YoY
|
87.65%
+0.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 9.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.23%
+0.5% YoY
+1.4% QoQ
|
+0.94% |
21.29%
-2.5% YoY
|
20.48%
-2.9% YoY
|
22.01%
-1.2% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.08%
-22.3% YoY
+46.4% QoQ
|
-0.59% |
0.67%
+15.6% YoY
|
0.54%
+14.2% YoY
|
0.67%
+19.3% YoY
|
Top 11.3% in tier |
| Tier 1 Capital Ratio ? |
14.27%
-0.1% YoY
-0.7% QoQ
|
-0.89% |
15.16%
+2.0% YoY
|
15.66%
+1.9% YoY
|
17.06%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.08%
-14.9% YoY
-77.8% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.74%
+3.6% YoY
|
0.32%
+4.1% YoY
|
22% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.