BlastPoint's Banking Scorecard
Fairfield County Bank
Designations: ✓ Community bank
Ridgefield, CT
17 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 +2.8% year over year ($1.5B on the books).
- Delinquency rate 0.05%.
- Return on assets 0.68%.
- Efficiency ratio 75.31% vs a 59.73% peer average.
- Loan-to-deposit ratio 101.09% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Fairfield County Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 49.8% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.71% below tier average
- - Net Interest Margin 0.31% below tier average
- - Efficiency Ratio 15.58% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+4.9% YoY
+1.7% QoQ
|
-$873.3M |
$2.8B
-0.6% YoY
|
$4.8B
+5.5% YoY
|
$6.3B
+7.7% YoY
|
48% |
| Total Loans ? |
$1.5B
+8.3% YoY
+1.2% QoQ
|
-$478.0M |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
53% |
| Total Deposits ? |
$1.5B
+2.8% YoY
+2.9% QoQ
|
-$849.6M |
$2.3B
-0.5% YoY
|
$3.9B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
44% |
| Return on Assets ? |
0.68%
+62.5% YoY
+13.2% QoQ
|
-0.71% |
1.39%
+17.0% YoY
|
1.11%
+57.7% YoY
|
1.30%
+12.1% YoY
|
Bottom 12.8% in tier |
| Net Interest Margin ? |
3.56%
+8.4% YoY
+2.9% QoQ
|
-0.31% |
3.87%
+6.2% YoY
|
3.44%
+11.6% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
75.31%
-11.1% YoY
-3.9% QoQ
|
+15.58% |
59.73%
-12.6% YoY
|
72.27%
-70.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 11.9% in tier |
| Delinquency Rate ? |
0.05%
-15.3% YoY
-56.0% QoQ
|
-0.82% |
0.87%
+11.7% YoY
|
0.70%
-4.9% YoY
|
0.98%
+16.3% YoY
|
Top 7.5% in tier |
| Loan-to-Deposit Ratio ? |
101.09%
+5.4% YoY
-1.7% QoQ
|
+16.05% |
85.04%
-0.1% YoY
|
91.71%
+1.4% YoY
|
79.03%
+2.3% YoY
|
Bottom 12.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.33%
-3.7% YoY
-4.0% QoQ
|
+0.06% |
21.27%
-1.5% YoY
|
22.06%
+1.6% YoY
|
21.98%
-0.6% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.04%
-12.5% YoY
-56.2% QoQ
|
-0.64% |
0.67%
+11.7% YoY
|
0.53%
-3.6% YoY
|
0.69%
+15.8% YoY
|
Top 7.8% in tier |
| Tier 1 Capital Ratio ? |
14.32%
+0.2% YoY
+0.4% QoQ
|
-0.52% |
14.84%
-0.4% YoY
|
14.05%
-0.0% YoY
|
17.09%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.16%
-11.6% YoY
+107.8% QoQ
|
-0.37% |
0.53%
+2.5% YoY
|
0.35%
+5.1% YoY
|
0.66%
+5.2% YoY
|
22% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
21.3%
-0.8pp YoY -0.9pp QoQ |
0.0pp | 21.4% | 22.1% | 22.2% | 57% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.1% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.0%
+0.9pp YoY -0.2pp QoQ |
-2.0pp | 14.0% | 11.4% | 12.5% | 55% |
| CRE |
57.4%
+1.0pp YoY +0.6pp QoQ |
+7.3pp | 50.0% | 42.4% | 41.4% | 69% |
| 1-4 Family |
31.6%
-2.0pp YoY -0.4pp QoQ |
+5.2pp | 26.4% | 42.2% | 31.3% | 69% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 4.1% | 5.0% | 5% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 15.0% | 19.7% | n/a |
| Leverage Ratio |
14.3%
0.0pp YoY +0.1pp QoQ |
+3.0pp | 11.3% | 12.7% | 12.6% | 91% |
| Total Capital Ratio | n/a | n/a | 16.7% | 16.0% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
205
+7 (+3.5%) YoY +2 (+1.0%) QoQ |
-109 | 313 | 342 | 482 | 43% |
| Assets per Employee ($) |
$9.4M
+1.3% YoY +0.7% QoQ |
-$1.1M | $10.5M | $9.9M | $8.8M | 59% |
| Branch Count |
17
0 YoY 0 QoQ |
-3 | 20 | 19 | 18 | 57% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY -0.1pp QoQ |
-0.8pp | 0.8% | 0.7% | 1.0% | 5% |
| Allowance Coverage |
27.33x
+11.5% YoY +122.7% QoQ |
+8.62x | 18.71x | 4.87x | 20.23x | 95% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 11% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.3%
+2.0pp YoY +0.6pp QoQ |
-7.3pp | 12.6% | 8.2% | 11.6% | 8% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 1.9% | 1.7% | 1.7% | 10% |
| Net Income ($, YTD) |
$6.5M
+74.0% YoY — QoQ |
-$12.8M | $19.2M | $28.0M | $40.4M | 19% |
Get Full Access to Fairfield County Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.