Fairfield County Bank
Total assets
$1.92B
▲ +4.9% YoY
Deposits
$1.47B
▲ +2.8% YoY
Loans
$1.49B
▲ +8.3% YoY
Offices
17
FAIRFIELD COUNTY BANK MHC
ROA (annualized)
0.68%
peers 1.26%
ROE (annualized)
5.29%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Fairfield County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +5.5% | -0.6 pts |
| Deposit growth (YoY) | +2.8% | +5.1% | -2.3 pts |
| Loan growth (YoY) | +8.3% | +5.9% | +2.4 pts |
| ROA | 0.68% | 1.26% | -0.6 pts |
| ROE | 5.3% | 12.2% | -6.9 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
Profile
- Established
- 1871
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FAIRFIELD COUNTY BANK MHC
- Specialization
- Commercial Lending Specialization
- Address
- 150 Danbury Rd, Ridgefield, CT, 06877
- County
- Western Connecticut
- Offices
- 17
- FDIC cert #
- 18213
- RSSD ID
- 882701
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.92B | $1.47B | $1.49B | $247.7M | $6.5M | 0.68% | 3.56% | 0.04% |
| Q1 2026 | $1.89B | $1.43B | $1.47B | $243.9M | $2.8M | 0.60% | 3.46% | 0.08% |
| Q4 2025 | $1.92B | $1.39B | $1.46B | $241.4M | $8.4M | 0.46% | 3.29% | 0.06% |
| Q3 2025 | $1.87B | $1.42B | $1.39B | $237.1M | $6.1M | 0.45% | 3.29% | 0.06% |
| Q2 2025 | $1.83B | $1.43B | $1.37B | $230.9M | $3.7M | 0.42% | 3.28% | 0.04% |
| Q1 2025 | $1.76B | $1.39B | $1.36B | $228.1M | $1.8M | 0.41% | 3.30% | 0.10% |
| Q4 2024 | $1.76B | $1.38B | $1.37B | $221.6M | $5.5M | 0.29% | 2.68% | 0.06% |
| Q3 2024 | $1.91B | $1.49B | $1.37B | $210.8M | $2.5M | 0.17% | 2.59% | 0.23% |
Loan mix (Q2 2026): real estate $1.32B · commercial $178.9M · consumer $413K · securities $226.0M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Fairfield County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 1.26% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 12.2% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.70% | 41th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.3% | 59.0% | 88th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Fairfield County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Fairfield County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Fairfield County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Fairfield County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Parkway Bank and Trust CompanyHarwood Heights, IL · $3.66B
- Frandsen Bank & TrustLonsdale, MN · $3.66B
- The Bank of East Asia Ltd.New York, NY · $3.66B
- Cornerstone Capital Bank, SSBHouston, TX · $3.67B
- St. Charles Bank & Trust Company, National AssociationSaint Charles, IL · $3.69B
- Macatawa Bank, National AssociationHolland, MI · $3.69B
Selling to Fairfield County Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.