First County Bank
Total assets
$2.42B
▲ +8.7% YoY
Deposits
$1.92B
▲ +9.4% YoY
Loans
$1.90B
▲ +13.1% YoY
Offices
14
ROA (annualized)
0.46%
peers 1.26%
ROE (annualized)
5.80%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | First County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +5.5% | +3.2 pts |
| Deposit growth (YoY) | +9.4% | +5.1% | +4.3 pts |
| Loan growth (YoY) | +13.1% | +5.9% | +7.1 pts |
| ROA | 0.46% | 1.26% | -0.8 pts |
| ROE | 5.8% | 12.2% | -6.4 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
Profile
- Established
- 1851
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 117 Prospect St, Stamford, CT, 06901
- County
- Western Connecticut
- Offices
- 14
- FDIC cert #
- 18204
- RSSD ID
- 958204
- 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 | $2.42B | $1.92B | $1.90B | $190.9M | $5.4M | 0.46% | 2.48% | 0.19% |
| Q1 2026 | $2.36B | $1.77B | $1.79B | $185.5M | $1.4M | 0.24% | 2.36% | 0.19% |
| Q4 2025 | $2.29B | $1.78B | $1.71B | $182.7M | $5.1M | 0.22% | 2.09% | 0.11% |
| Q3 2025 | $2.24B | $1.74B | $1.68B | $178.2M | $3.5M | 0.21% | 2.05% | 0.14% |
| Q2 2025 | $2.23B | $1.76B | $1.68B | $175.2M | $1.9M | 0.17% | 2.01% | 0.10% |
| Q1 2025 | $2.28B | $1.75B | $1.70B | $173.0M | $1.2M | 0.21% | 1.94% | 0.10% |
| Q4 2024 | $2.32B | $1.75B | $1.68B | $170.4M | $3.2M | 0.14% | 1.85% | 0.08% |
| Q3 2024 | $2.38B | $1.79B | $1.65B | $164.7M | $2.6M | 0.15% | 1.83% | 0.07% |
Loan mix (Q2 2026): real estate $1.82B · commercial $78.1M · consumer $11.1M · securities $284.5M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | First County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 1.26% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 12.2% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.48% | 3.70% | 5th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 59.0% | 94th | |
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 | First 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 | First 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 | First 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 | First 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.
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