BlastPoint's Banking Scorecard
The First Bank of Greenwich
Community
Specialty: Commercial
CT
FDIC cert 58307
Cos Cob, CT
1484
banks in Community tier nationally
21 in CT
View Community leaderboard (CT) →
The First Bank of Greenwich faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 9% in Community
- - Loan-to-Deposit Ratio 22.97% above tier
- - Non-Interest Income / Assets 0.60% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$804.0M
-0.6% YoY
+0.6% QoQ
|
-$587.4M |
$1.4B
+2.0% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$711.3M
+2.5% YoY
+0.6% QoQ
|
-$264.2M |
$975.5M
+2.4% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$670.8M
+5.3% YoY
+2.3% QoQ
|
-$493.8M |
$1.2B
+1.7% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
0.57%
+23.8% YoY
-16.2% QoQ
|
-0.59% |
1.16%
+17.2% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
2.85%
+28.4% YoY
+1.9% QoQ
|
-0.81% |
3.66%
+9.1% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
73.44%
+1.3% YoY
+8.8% QoQ
|
+10.80% |
62.63%
-5.3% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? | 1.01% | +0.38% |
0.63%
+18.3% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
106.04%
-2.7% YoY
-1.7% QoQ
|
+22.97% |
83.06%
+0.3% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.58%
-5.9% YoY
+2.1% QoQ
|
-0.46% |
21.05%
-0.9% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? | 0.89% | +0.39% |
0.50%
+20.3% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
10.68%
+2.1% YoY
-1.8% QoQ
|
+0.43% |
10.24%
-0.6% YoY
|
9.58%
+5.3% YoY
|
9.75%
-1.9% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.14%
+5.5% YoY
+27.4% QoQ
|
-0.60% |
0.74%
-1.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Flatlined Growth
risk
#23 of 245 · Bottom 9% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.57%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
106.04%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.14%
(Tier avg: 0.74%, National avg: 0.65%)
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
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.58% · Tier avg: 21.05%
51
51th pctile
Total Loans
Current: $711.3M · Tier avg: $975.5M
35
35th pctile
Total Deposits
Current: $670.8M · Tier avg: $1.2B
35
35th pctile
Total Assets
Current: $804.0M · Tier avg: $1.4B
34
34th pctile
Tier 1 Capital Ratio
Current: 10.68% · Tier avg: 10.24%
25
25th pctile
Delinquency Rate
Current: 1.01% · Tier avg: 0.63%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.89% · Tier avg: 0.50%
20
20th pctile
Efficiency Ratio
Current: 73.44% · Tier avg: 62.63%
14
14th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.16%
13
13th pctile
Net Interest Margin
Current: 2.85% · Tier avg: 3.66%
6
6th pctile
Loan-to-Deposit Ratio
Current: 106.04% · Tier avg: 83.06%
6
6th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.74%
Top Weaknesses
6
6th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.74%
6
6th pctile
Loan-to-Deposit Ratio
Current: 106.04% · Tier avg: 83.06%
13
13th pctile
Net Interest Margin
Current: 2.85% · Tier avg: 3.66%
14
14th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.16%
20
20th pctile
Efficiency Ratio
Current: 73.44% · Tier avg: 62.63%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.89% · Tier avg: 0.50%
25
25th pctile
Delinquency Rate
Current: 1.01% · Tier avg: 0.63%
34
34th pctile
Tier 1 Capital Ratio
Current: 10.68% · Tier avg: 10.24%
35
35th pctile
Total Assets
Current: $804.0M · Tier avg: $1.4B
35
35th pctile
Total Deposits
Current: $670.8M · Tier avg: $1.2B
51
51th pctile
Total Loans
Current: $711.3M · Tier avg: $975.5M
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.58% · Tier avg: 21.05%