BlastPoint's Banking Scorecard
Fieldpoint Private Bank & Trust
Community
Specialty: Commercial
CT
FDIC cert 58741
Greenwich, CT
1484
banks in Community tier nationally
21 in CT
View Community leaderboard (CT) →
Fieldpoint Private Bank & Trust faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 19% in Community
- - Deposit Outflow: Bottom 42% in Community
- - Return on Assets 2.96% below tier
- - Net Interest Margin 2.16% below tier
- - Delinquency Rate 1.85% above tier
- - Nonperforming Asset Ratio 1.24% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$944.0M
-27.2% YoY
-6.2% QoQ
|
-$447.4M |
$1.4B
+2.0% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$650.9M
-29.0% YoY
-14.3% QoQ
|
-$324.6M |
$975.5M
+2.4% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$821.0M
-8.9% YoY
+0.8% QoQ
|
-$343.6M |
$1.2B
+1.7% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
-1.80%
-35.4% YoY
-9.8% QoQ
|
-2.96% |
1.16%
+17.2% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
1.50%
+64.7% YoY
+6.4% QoQ
|
-2.16% |
3.66%
+9.1% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
504.56%
+111.5% YoY
+22.6% QoQ
|
+441.93% |
62.63%
-5.3% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? |
2.48%
+14.0% YoY
+13.3% QoQ
|
+1.85% |
0.63%
+18.3% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
79.28%
-22.0% YoY
-15.0% QoQ
|
-3.78% |
83.06%
+0.3% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
11.62%
+16.3% YoY
+9.6% QoQ
|
-9.43% |
21.05%
-0.9% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
1.74%
+12.7% YoY
+5.0% QoQ
|
+1.24% |
0.50%
+20.3% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
10.07%
+6.7% YoY
+5.2% QoQ
|
-0.17% |
10.24%
-0.6% YoY
|
9.58%
+5.3% YoY
|
9.75%
-1.9% YoY
|
31% |
| Non-Interest Income / Assets ? |
-1.04%
-73.5% QoQ
|
-1.78% |
0.74%
-1.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Efficiency Drag
risk
#29 of 152 · Bottom 19% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
504.56%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#105 of 248 · Bottom 42% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-1.80%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
1.50%
(Tier avg: 3.66%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 7%
in Community
Why this stands out
Current:
2.48%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
1.74%
(Tier avg: 0.50%, National avg: 0.48%)
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
63
63th pctile
Loan-to-Deposit Ratio
Current: 79.28% · Tier avg: 83.06%
48
48th pctile
Total Deposits
Current: $821.0M · Tier avg: $1.2B
46
46th pctile
Total Assets
Current: $944.0M · Tier avg: $1.4B
45
45th pctile
Total Loans
Current: $650.9M · Tier avg: $975.5M
31
31th pctile
Tier 1 Capital Ratio
Current: 10.07% · Tier avg: 10.24%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.62% · Tier avg: 21.05%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.74% · Tier avg: 0.50%
7
7th pctile
Delinquency Rate
Current: 2.48% · Tier avg: 0.63%
1
1th pctile
Net Interest Margin
Current: 1.50% · Tier avg: 3.66%
0
0th pctile
Return on Assets
Current: -1.80% · Tier avg: 1.16%
Top Weaknesses
0
0th pctile
Return on Assets
Current: -1.80% · Tier avg: 1.16%
1
1th pctile
Net Interest Margin
Current: 1.50% · Tier avg: 3.66%
7
7th pctile
Delinquency Rate
Current: 2.48% · Tier avg: 0.63%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.74% · Tier avg: 0.50%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.62% · Tier avg: 21.05%
31
31th pctile
Tier 1 Capital Ratio
Current: 10.07% · Tier avg: 10.24%
45
45th pctile
Total Loans
Current: $650.9M · Tier avg: $975.5M
46
46th pctile
Total Assets
Current: $944.0M · Tier avg: $1.4B
48
48th pctile
Total Deposits
Current: $821.0M · Tier avg: $1.2B
63
63th pctile
Loan-to-Deposit Ratio
Current: 79.28% · Tier avg: 83.06%