BlastPoint's Banking Scorecard

The First Bank of Greenwich

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

Cos Cob, CT

3 branches across CT · NY

2664 banks in the $100M-$1B peer group nationally 12 in CT

The First Bank of Greenwich has 1 strength but faces 6 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 0.08% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 12.5% in tier
- Capital Thin: Bottom 18.2% in tier
- Liquidity Strain: Bottom 46.2% in tier
- ROA 0.48% below tier average
- Net Interest Margin 0.95% below tier average
- Efficiency Ratio 0.92% above tier average

Get updates when The First Bank of Greenwich releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Total Assets ?	$806.8M -1.3% YoY +0.3% QoQ	+$420.7M	$386.1M +0.5% YoY	$4.6B +6.9% YoY	$6.2B +9.1% YoY	Top 7.8% in tier
Total Loans ?	$710.5M -0.1% YoY -0.1% QoQ	+$454.8M	$255.7M +1.1% YoY	$3.2B +8.3% YoY	$3.2B +10.8% YoY	Top 2.2% in tier
Total Deposits ?	$651.9M +6.5% YoY -2.8% QoQ	+$324.0M	$328.0M +0.1% YoY	$3.7B +5.9% YoY	$4.8B +8.2% YoY	Top 9.5% in tier
Return on Assets ?	0.79% +57.6% YoY +38.0% QoQ	-0.48%	1.27% +12.9% YoY	0.98% +59.4% YoY	1.23% +13.4% YoY	25%
Net Interest Margin ?	2.98% +20.9% YoY +4.5% QoQ	-0.95%	3.93% +6.0% YoY	3.30% +11.1% YoY	3.89% +5.7% YoY	Bottom 10.8% in tier
Efficiency Ratio ?	66.21% -9.9% YoY -9.8% QoQ	+0.92%	65.29% -4.5% YoY	74.04% -0.3% YoY	66.95% -4.1% YoY	41%
Delinquency Rate ?	0.80% -20.4% QoQ	-0.08%	0.89% +18.8% YoY	0.76% +15.1% YoY	0.95% +18.8% YoY	33%
Loan-to-Deposit Ratio ?	108.98% -6.2% YoY +2.8% QoQ	+32.34%	76.64% +0.8% YoY	87.65% +0.6% YoY	76.70% +0.9% YoY	Bottom 3.3% in tier
Non-Interest-Bearing Deposit Share ?	19.29% +3.3% YoY -6.3% QoQ	-2.73%	22.02% -1.0% YoY	20.48% -2.9% YoY	22.01% -1.2% YoY	42%
Nonperforming Asset Ratio ?	0.71% -20.8% QoQ	+0.07%	0.64% +19.7% YoY	0.54% +14.2% YoY	0.67% +19.3% YoY	29%
Tier 1 Capital Ratio ?	11.02% +6.5% YoY +3.2% QoQ	-4.81%	15.83% +1.5% YoY	15.66% +1.9% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.04% +7.6% YoY -74.6% QoQ	-0.24%	0.28% +9.3% YoY	0.74% +3.6% YoY	0.32% +4.1% YoY	Bottom 11.4% in tier

Get Full Access to The First Bank of Greenwich

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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 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 (3)

Flatlined Growth

risk

#65 of 512 • Bottom 12.5% 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: 0.79%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank declining

Capital Thin

risk

#122 of 666 • Bottom 18.2% 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: 11.02%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#298 of 643 • Bottom 46.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 108.98%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Total Loans

size

Value: $710.48M

Peer Median: $255.72M

#59 of 2664 Top 2.2% in $100M-$1B

209

Total Assets

size

Value: $806.83M

Peer Median: $386.08M

#209 of 2664 Top 7.8% in $100M-$1B

255

Total Deposits

size

Value: $651.95M

Peer Median: $327.97M

#255 of 2664 Top 9.5% in $100M-$1B

Top Weaknesses (4 metrics)

2577

Loan-to-Deposit Ratio

liquidity

Value: 108.98%

Peer Median: 76.64%

#2577 of 2664 Bottom 3.3% in $100M-$1B

2378

Net Interest Margin

profitability

Value: 2.98%

Peer Median: 3.93%

#2378 of 2664 Bottom 10.8% in $100M-$1B

2362

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2362 of 2664 Bottom 11.4% in $100M-$1B

2052

Tier 1 Capital Ratio

capital

Value: 11.02%

Peer Median: 15.83%

#2052 of 2664 Bottom 23.0% in $100M-$1B