BlastPoint's Banking Scorecard
Fairfield County Bank
Community
Specialty: Commercial
CT
FDIC cert 18213
Ridgefield, CT
1484
banks in Community tier nationally
21 in CT
View Community leaderboard (CT) →
Fairfield County Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 32% in Community
- + Loan-to-Deposit Ratio 21.72% above tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 42% in Community
- - Return on Assets 0.71% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+9.1% YoY
+2.4% QoQ
|
+$528.1M |
$1.4B
+2.0% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$1.5B
+6.8% YoY
+5.4% QoQ
|
+$485.2M |
$975.5M
+2.4% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$1.4B
+1.0% YoY
-1.8% QoQ
|
+$229.4M |
$1.2B
+1.7% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
0.46%
+57.7% YoY
+1.7% QoQ
|
-0.71% |
1.16%
+17.2% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
3.29%
+23.0% YoY
+0.2% QoQ
|
-0.37% |
3.66%
+9.1% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
82.56%
+28.1% YoY
-1.0% QoQ
|
+19.93% |
62.63%
-5.3% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
0.07%
-13.2% YoY
-17.3% QoQ
|
-0.56% |
0.63%
+18.3% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
85% |
| Loan-to-Deposit Ratio ? |
104.79%
+5.8% YoY
+7.3% QoQ
|
+21.72% |
83.06%
+0.3% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.91%
-5.8% YoY
+0.5% QoQ
|
+0.87% |
21.05%
-0.9% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.06%
-15.0% YoY
-14.9% QoQ
|
-0.44% |
0.50%
+20.3% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
Top 15% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.58%
+5.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.35%
-86.7% YoY
+29.4% QoQ
|
-0.39% |
0.74%
-1.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#120 of 371 · Top 32% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.07%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Top 7%
in Community
Why this stands out
Current:
104.79%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (2)
Efficiency Drag
risk
#64 of 152 · Bottom 42% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
82.56%
(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 10%
in Community
Why this stands out
Current:
0.46%
(Tier avg: 1.16%, National avg: 1.12%)
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
93
93th pctile
Loan-to-Deposit Ratio
Current: 104.79% · Tier avg: 83.06%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
85
85th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
80
80th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.91% · Tier avg: 21.05%
30
30th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
10
10th pctile
Return on Assets
Current: 0.46% · Tier avg: 1.16%
8
8th pctile
Efficiency Ratio
Current: 82.56% · Tier avg: 62.63%
Top Weaknesses
8
8th pctile
Efficiency Ratio
Current: 82.56% · Tier avg: 62.63%
10
10th pctile
Return on Assets
Current: 0.46% · Tier avg: 1.16%
29
29th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.66%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.91% · Tier avg: 21.05%
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
80
80th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
85
85th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
93
93th pctile
Loan-to-Deposit Ratio
Current: 104.79% · Tier avg: 83.06%