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Fieldpoint Private Bank & Trust

$100M-$1B Specialty: Commercial CT FDIC cert 58741

Greenwich, CT

2 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 -9.3% year over year ($781.8M on the books).
  • Delinquency rate 1.95%.
  • Return on assets -0.29%.
  • Efficiency ratio 118.98% vs a 64.48% peer average.
  • Loan-to-deposit ratio 78.40% 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) →

Fieldpoint Private Bank & Trust faces 6 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

  • - Capital Thin: Bottom 1.7% in tier
  • - Deposit Outflow: Bottom 28.8% in tier
  • - Return on Assets 1.61% below tier average
  • - Net Interest Margin 1.86% below tier average
  • - Efficiency Ratio 54.50% above tier average
  • - Delinquency Rate 1.04% above tier average
Get updates when Fieldpoint Private Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Total Assets ? $867.1M
-19.7% YoY -8.1% QoQ
+$480.5M $386.6M
+1.2% YoY
$4.8B
+5.5% YoY
$6.3B
+7.7% YoY
Top 5.0% in tier
Total Loans ? $612.9M
-22.5% YoY -4.0% QoQ
+$354.6M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
Top 5.5% in tier
Total Deposits ? $781.8M
-9.3% YoY -4.2% QoQ
+$455.1M $326.7M
+0.7% YoY
$3.9B
+6.2% YoY
$4.9B
+7.3% YoY
Top 3.1% in tier
Return on Assets ? -0.29%
+86.6% YoY +29.1% QoQ
-1.61% 1.32%
+10.8% YoY
1.11%
+57.7% YoY
1.30%
+12.1% YoY
Bottom 2.3% in tier
Net Interest Margin ? 2.12%
+76.3% YoY +4.7% QoQ
-1.86% 3.99%
+5.0% YoY
3.44%
+11.6% YoY
3.95%
+4.9% YoY
Bottom 1.1% in tier
Efficiency Ratio ? 118.98%
-97.5% YoY -1.9% QoQ
+54.50% 64.48%
-3.2% YoY
72.27%
-70.9% YoY
70.05%
+2.5% YoY
Bottom 0.9% in tier
Delinquency Rate ? 1.95%
-29.6% YoY -50.2% QoQ
+1.04% 0.92%
+15.7% YoY
0.70%
-4.9% YoY
0.98%
+16.3% YoY
Bottom 13.3% in tier
Loan-to-Deposit Ratio ? 78.40%
-14.6% YoY +0.2% QoQ
+0.45% 77.95%
+1.0% YoY
91.71%
+1.4% YoY
79.03%
+2.3% YoY
53%
Non-Interest-Bearing Deposit Share ? 13.26%
+7.8% YoY +2.5% QoQ
-8.77% 22.03%
-0.6% YoY
22.06%
+1.6% YoY
21.98%
-0.6% YoY
18%
Nonperforming Asset Ratio ? 1.38%
-32.0% YoY -48.3% QoQ
+0.71% 0.67%
+16.4% YoY
0.53%
-3.6% YoY
0.69%
+15.8% YoY
Bottom 13.4% in tier
Tier 1 Capital Ratio ? 10.09%
+8.0% YoY +2.8% QoQ
-5.82% 15.91%
+1.4% YoY
14.05%
-0.0% YoY
17.09%
+0.8% YoY
Bottom 12.0% in tier
Non-Interest Income / Assets ? 0.19%
+132.5% YoY +70.2% QoQ
-0.38% 0.57%
+7.6% YoY
0.35%
+5.1% YoY
0.66%
+5.2% YoY
47%

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 13.3%
+1.0pp YoY
+0.3pp QoQ
 -8.9pp 22.1% 22.1% 22.2% 18%
Brokered Deposits 46.5%
+1.0pp YoY
-5.0pp QoQ
 +38.6pp 7.9% 8.1% 8.5% 99%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
C&I 12.8%
-0.9pp YoY
0.0pp QoQ
 +1.2pp 11.6% 11.4% 12.5% 67%
CRE 36.5%
+2.4pp YoY
+0.2pp QoQ
 -3.1pp 39.5% 42.4% 41.4% 46%
1-4 Family 42.1%
-4.6pp YoY
-1.3pp QoQ
 +9.4pp 32.6% 42.2% 31.3% 73%
Consumer 9.9%
+3.0pp YoY
+1.1pp QoQ
 +5.8pp 4.1% 4.1% 5.0% 92%

Capital

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
CET1 Ratio 10.1%
+0.7pp YoY
+0.3pp QoQ
 -8.7pp 18.8% 15.0% 19.7% 3%
Leverage Ratio 6.6%
+0.4pp YoY
0.0pp QoQ
 -5.6pp 12.2% 12.7% 12.6% 0%
Total Capital Ratio 11.2%
+0.6pp YoY
+0.2pp QoQ
 -8.8pp 19.9% 16.0% 20.8% 2%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Full-Time Employees 70
-11 (-13.6%) YoY
+1 (+1.4%) QoQ
 +11 58 342 482 71%
Assets per Employee ($) $12.4M
-7.1% YoY
-9.4% QoQ
 +$4.9M $7.5M $9.9M $8.8M 94%
Branch Count 2
-1 (-33.3%) YoY
0 QoQ
 -3 4 19 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Past Due 90+ Days 0.2%
-0.9pp YoY
-1.5pp QoQ
 -0.2pp 0.3% 0.2% 0.4% 61%
Nonaccrual 1.8%
+0.1pp YoY
-0.5pp QoQ
 +0.8pp 0.9% 0.7% 1.0% 85%
Allowance Coverage 0.53x
+37.2% YoY
+91.3% QoQ
 -23.62x 24.15x 4.87x 20.23x 11%
Net Charge-off Rate (YTD) 0.0%
-0.2pp YoY
 -0.1pp 0.1% 0.1% 0.2% 55%

Profitability

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
ROE -4.7%
+33.6pp YoY
+2.1pp QoQ
 -16.9pp 12.2% 8.2% 11.6% 2%
Cost of Funds (YTD) 3.0%
-0.8pp YoY
0.0pp QoQ
 +1.3pp 1.7% 1.7% 1.7% 98%
Net Income ($, YTD) $-1316000.0
+89.4% YoY
— QoQ
 -$3.9M $2.6M $28.0M $40.4M 1%

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)

Capital Thin

risk
#12 of 661 • Bottom 1.7% 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: 10.09%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Deposit Outflow

decline
#155 of 535 • Bottom 28.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

83
Total Deposits
size
Value: $781.82M
Peer Median: $326.73M
#83 of 2643 Top 3.1% in $100M-$1B
133
Total Assets
size
Value: $867.11M
Peer Median: $386.57M
#133 of 2643 Top 5.0% in $100M-$1B
146
Total Loans
size
Value: $612.92M
Peer Median: $258.35M
#146 of 2643 Top 5.5% in $100M-$1B

Top Weaknesses (7 metrics)

2619
Efficiency Ratio
profitability
Value: 118.98%
Peer Median: 64.48%
#2619 of 2643 Bottom 0.9% in $100M-$1B
2615
Net Interest Margin
profitability
Value: 2.12%
Peer Median: 3.99%
#2615 of 2643 Bottom 1.1% in $100M-$1B
2583
Return on Assets
profitability
Value: -0.29%
Peer Median: 1.32%
#2583 of 2643 Bottom 2.3% in $100M-$1B
2326
Tier 1 Capital Ratio
capital
Value: 10.09%
Peer Median: 15.91%
#2326 of 2643 Bottom 12.0% in $100M-$1B
2283
Delinquency Rate
credit_quality
Value: 1.95%
Peer Median: 0.92%
#2283 of 2633 Bottom 13.3% in $100M-$1B
2289
Nonperforming Asset Ratio
credit_quality
Value: 1.38%
Peer Median: 0.67%
#2289 of 2643 Bottom 13.4% in $100M-$1B
2164
Non-Interest-Bearing Deposit Share
funding
Value: 13.26%
Peer Median: 22.03%
#2164 of 2643 Bottom 18.2% in $100M-$1B
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