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The First Bank of Greenwich

$100M-$1B Specialty: Commercial CT FDIC cert 58307

Cos Cob, CT

3 branches across CT · NY

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 11 in CT.
  • Deposits -0.9% year over year ($680.7M on the books).
  • Delinquency rate 1.31%.
  • Return on assets 0.82%.
  • Efficiency ratio 65.69% vs a 64.48% peer average.
  • Loan-to-deposit ratio 105.58% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 11 in CT
View $100M-$1B leaderboard (CT) →

The First Bank of Greenwich faces 7 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 34.2% in tier
  • - Capital Thin: Bottom 37.4% in tier
  • - Loan-to-Deposit Ratio 27.63% above tier average
  • - ROA 0.51% below tier average
  • - Net Interest Margin 0.97% below tier average
  • - Efficiency Ratio 1.21% above tier average
  • - Delinquency Rate 0.39% above tier average
Get updates when The First Bank of Greenwich releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Total Assets ? $812.3M
+1.1% YoY +0.7% QoQ
+$425.7M $386.6M
+1.2% YoY
$4.8B
+5.5% YoY
$6.3B
+7.7% YoY
Top 7.4% in tier
Total Loans ? $718.7M
+1.6% YoY +1.2% QoQ
+$460.3M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
Top 1.9% in tier
Total Deposits ? $680.7M
-0.9% YoY +4.4% QoQ
+$354.0M $326.7M
+0.7% YoY
$3.9B
+6.2% YoY
$4.9B
+7.3% YoY
Top 7.9% in tier
Return on Assets ? 0.82%
+31.7% YoY +3.1% QoQ
-0.51% 1.32%
+10.8% YoY
1.11%
+57.7% YoY
1.30%
+12.1% YoY
24%
Net Interest Margin ? 3.02%
+14.1% YoY +1.3% QoQ
-0.97% 3.99%
+5.0% YoY
3.44%
+11.6% YoY
3.95%
+4.9% YoY
Bottom 10.4% in tier
Efficiency Ratio ? 65.69%
-4.8% YoY -0.8% QoQ
+1.21% 64.48%
-3.2% YoY
72.27%
-70.9% YoY
70.05%
+2.5% YoY
40%
Delinquency Rate ? 1.31%
+63.1% QoQ
+0.39% 0.92%
+15.7% YoY
0.70%
-4.9% YoY
0.98%
+16.3% YoY
22%
Loan-to-Deposit Ratio ? 105.58%
+2.6% YoY -3.1% QoQ
+27.63% 77.95%
+1.0% YoY
91.71%
+1.4% YoY
79.03%
+2.3% YoY
Bottom 5.5% in tier
Non-Interest-Bearing Deposit Share ? 20.93%
+0.7% YoY +8.5% QoQ
-1.10% 22.03%
-0.6% YoY
22.06%
+1.6% YoY
21.98%
-0.6% YoY
49%
Nonperforming Asset Ratio ? 1.16%
+63.8% QoQ
+0.49% 0.67%
+16.4% YoY
0.53%
-3.6% YoY
0.69%
+15.8% YoY
17%
Tier 1 Capital Ratio ? 11.10%
+4.4% YoY +0.7% QoQ
-4.81% 15.91%
+1.4% YoY
14.05%
-0.0% YoY
17.09%
+0.8% YoY
25%
Non-Interest Income / Assets ? 0.07%
-2.3% YoY +97.6% QoQ
-0.49% 0.57%
+7.6% YoY
0.35%
+5.1% YoY
0.66%
+5.2% YoY
Bottom 10.4% in tier

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 20.9%
+0.1pp YoY
+1.6pp QoQ
 -1.2pp 22.1% 22.1% 22.2% 49%
Brokered Deposits 16.2%
-0.3pp YoY
-0.7pp QoQ
 +8.3pp 7.9% 8.1% 8.5% 87%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
C&I 9.1%
+1.3pp YoY
+0.7pp QoQ
 -2.5pp 11.6% 11.4% 12.5% 47%
CRE 56.3%
-0.2pp YoY
-0.2pp QoQ
 +16.7pp 39.5% 42.4% 41.4% 80%
1-4 Family 35.5%
-1.2pp YoY
-0.6pp QoQ
 +2.9pp 32.6% 42.2% 31.3% 63%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 4.1% 5.0% 3%

Capital

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
CET1 Ratio 11.1%
+0.5pp YoY
+0.1pp QoQ
 -7.7pp 18.8% 15.0% 19.7% 9%
Leverage Ratio 9.3%
+0.7pp YoY
0.0pp QoQ
 -2.9pp 12.2% 12.7% 12.6% 16%
Total Capital Ratio 12.3%
+0.5pp YoY
+0.1pp QoQ
 -7.6pp 19.9% 16.0% 20.8% 10%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Full-Time Employees 57
+1 (+1.8%) YoY
+3 (+5.6%) QoQ
 -2 58 342 482 60%
Assets per Employee ($) $14.3M
-0.6% YoY
-4.6% QoQ
 +$6.7M $7.5M $9.9M $8.8M 96%
Branch Count 3
0 YoY
0 QoQ
 -2 4 19 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Past Due 90+ Days 1.2%
+0.5pp QoQ
 +0.9pp 0.3% 0.2% 0.4% 94%
Nonaccrual 0.1%
0.0pp QoQ
 -0.9pp 0.9% 0.7% 1.0% 15%
Allowance Coverage 0.84x
-39.4% QoQ
 -23.32x 24.15x 4.87x 20.23x 22%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
ROE 8.9%
+1.6pp YoY
+0.2pp QoQ
 -3.3pp 12.2% 8.2% 11.6% 30%
Cost of Funds (YTD) 2.5%
-0.3pp YoY
0.0pp QoQ
 +0.8pp 1.7% 1.7% 1.7% 90%
Net Income ($, YTD) $3.3M
+31.4% YoY
— QoQ
 +$746K $2.6M $28.0M $40.4M 73%

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)

Flatlined Growth

risk
#182 of 529 • Bottom 34.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.82%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Capital Thin

risk
#248 of 661 • Bottom 37.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.10%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

50
Total Loans
size
Value: $718.66M
Peer Median: $258.35M
#50 of 2643 Top 1.9% in $100M-$1B
196
Total Assets
size
Value: $812.29M
Peer Median: $386.57M
#196 of 2643 Top 7.4% in $100M-$1B
210
Total Deposits
size
Value: $680.69M
Peer Median: $326.73M
#210 of 2643 Top 7.9% in $100M-$1B

Top Weaknesses (7 metrics)

2498
Loan-to-Deposit Ratio
liquidity
Value: 105.58%
Peer Median: 77.95%
#2498 of 2643 Bottom 5.5% in $100M-$1B
2370
Net Interest Margin
profitability
Value: 3.02%
Peer Median: 3.99%
#2370 of 2643 Bottom 10.4% in $100M-$1B
2369
Non-Interest Income / Assets
revenue_mix
Value: 0.07%
Peer Median: 0.57%
#2369 of 2643 Bottom 10.4% in $100M-$1B
2191
Nonperforming Asset Ratio
credit_quality
Value: 1.16%
Peer Median: 0.67%
#2191 of 2643 Bottom 17.1% in $100M-$1B
2061
Delinquency Rate
credit_quality
Value: 1.31%
Peer Median: 0.92%
#2061 of 2633 Bottom 21.8% in $100M-$1B
2006
Return on Assets
profitability
Value: 0.82%
Peer Median: 1.32%
#2006 of 2643 Bottom 24.1% in $100M-$1B
1996
Tier 1 Capital Ratio
capital
Value: 11.10%
Peer Median: 15.91%
#1996 of 2643 Bottom 24.5% in $100M-$1B
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