BlastPoint's Banking Scorecard
First County Bank
Community
Specialty: Commercial
CT
FDIC cert 18204
Designations: ✓ Mutual
Stamford, CT
1484
banks in Community tier nationally
21 in CT
View Community leaderboard (CT) →
First County Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 5% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 2% in Community
- - Credit Quality Pressure: Bottom 13% in Community
- - Liquidity Strain: Bottom 20% in Community
- - Efficiency Drag: Bottom 60% in Community
- - Return on Assets 0.96% below tier
- - Net Interest Margin 1.58% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
-1.4% YoY
+2.1% QoQ
|
+$897.8M |
$1.4B
+2.0% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$1.7B
+1.5% YoY
+1.7% QoQ
|
+$733.5M |
$975.5M
+2.4% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
85% |
| Total Deposits ? |
$1.8B
+1.6% YoY
+2.1% QoQ
|
+$610.7M |
$1.2B
+1.7% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
0.20%
+45.0% YoY
-1.4% QoQ
|
-0.96% |
1.16%
+17.2% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
2.09%
+12.9% YoY
+1.7% QoQ
|
-1.58% |
3.66%
+9.1% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
89.31%
-1.7% YoY
+0.7% QoQ
|
+26.68% |
62.63%
-5.3% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.15%
+41.7% YoY
-17.6% QoQ
|
-0.48% |
0.63%
+18.3% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
96.26%
-0.1% YoY
-0.4% QoQ
|
+13.20% |
83.06%
+0.3% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
19.90%
-1.1% YoY
+2.0% QoQ
|
-1.14% |
21.05%
-0.9% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.11%
+45.9% YoY
-17.9% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
13.28%
-0.5% YoY
-1.8% QoQ
|
+3.04% |
10.24%
-0.6% YoY
|
9.58%
+5.3% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.45%
+17.9% YoY
+26.6% QoQ
|
-0.29% |
0.74%
-1.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#21 of 371 · Top 5% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (6)
Credit Risk Growth
risk
#12 of 642 · Bottom 2% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#103 of 808 · Bottom 13% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#102 of 513 · Bottom 20% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
96.26%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Efficiency Drag
risk
#91 of 152 · Bottom 60% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
89.31%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.20%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Community
Why this stands out
Current:
2.09%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
76
76th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
61
61th pctile
Tier 1 Capital Ratio
Current: 13.28% · Tier avg: 10.24%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.90% · Tier avg: 21.05%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
20
20th pctile
Loan-to-Deposit Ratio
Current: 96.26% · Tier avg: 83.06%
5
5th pctile
Return on Assets
Current: 0.20% · Tier avg: 1.16%
4
4th pctile
Efficiency Ratio
Current: 89.31% · Tier avg: 62.63%
2
2th pctile
Net Interest Margin
Current: 2.09% · Tier avg: 3.66%
Top Weaknesses
2
2th pctile
Net Interest Margin
Current: 2.09% · Tier avg: 3.66%
4
4th pctile
Efficiency Ratio
Current: 89.31% · Tier avg: 62.63%
5
5th pctile
Return on Assets
Current: 0.20% · Tier avg: 1.16%
20
20th pctile
Loan-to-Deposit Ratio
Current: 96.26% · Tier avg: 83.06%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.90% · Tier avg: 21.05%
61
61th pctile
Tier 1 Capital Ratio
Current: 13.28% · Tier avg: 10.24%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
76
76th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M