Bank call report · Ridgefield, CT
Fairfield County Bank Call Report
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Fairfield County Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 287 reported line items, schedule by schedule (432 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 882701 |
| FDIC certificate number | 18213 |
| Total assets | $1.92B |
Official Q2 2026 call report PDF (FFIEC) →
Fairfield County Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (26 items)
About Schedule RC · Fairfield County Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.92B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.92B |
| Total Liabilities and Minority Interest | RCON2948 | $1.67B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $1.50B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $1.49B |
| Total Deposits | RCON2200 | $1.47B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $1.16B |
| Deposits: Noninterest-bearing | RCON6631 | $313.5M |
| Undivided Profits and Capital Reserves | RCON3632 | $282.7M |
| Total Equity Capital | RCON3210 | $247.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $247.7M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $224.5M |
| Other Borrowed Money | RCON3190 | $154.5M |
| Other Assets | RCON2160 | $83.8M |
| Interest-bearing Balances | RCON0071 | $69.7M |
| Other Liabilities, Total | RCON2930 | $48.5M |
| Accumulated Other Comprehensive Income | RCONB530 | -$35.0M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $25.4M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $24.8M |
| Allowance for Loan and Lease Losses | RCON3123 | $18.5M |
| Goodwill | RCON3163 | $5.0M |
| Intangible Assets | RCON2143 | $5.0M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $928K |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $520K |
| Held-to-maturity Securities, Total | RCON1754 | $520K |
| Loans and Leases Held for Sale | RCON5369 | $2K |
Schedule RI: Income Statement (40 items)
About Schedule RI · Fairfield County Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $42.2M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $38.4M |
| Net Interest Income | RIAD4074 | $31.6M |
| Total Noninterest Expense | RIAD4093 | $26.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $22.8M |
| Salaries and Employee Benefits | RIAD4135 | $16.3M |
| Total Interest Expense | RIAD4073 | $10.6M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $10.4M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $8.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $8.2M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $6.5M |
| Net Income (Loss) | RIAD4340 | $6.5M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $6.5M |
| Other Noninterest Expense | RIAD4092 | $6.1M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $5.1M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $5.1M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $3.7M |
| Total Noninterest Income | RIAD4079 | $3.1M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $3.1M |
| Other Interest Expense | RIADGW44 | $2.9M |
| Applicable Income Taxes | RIAD4302 | $1.7M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.6M |
| Other Noninterest Income | RIADB497 | $1.2M |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $945K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $826K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $653K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $411K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $360K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $315K |
| Provision for Loan and Lease Losses | RIAD4230 | -$302K |
| Other Interest Income | RIAD4518 | $150K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $123K |
| Interest on Other Securities | RIAD4060 | $109K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $93K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $77K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $56K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $56K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | -$47K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | -$8K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 205 |
Schedule RC-B: Securities (27 items)
About Schedule RC-B · Fairfield County Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Available-for-sale Amortized Cost | RCONG310 | $357K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Available-for-sale Fair Value | RCONG311 | $346K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Amortized Cost | RCONG312 | $117K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value | RCONG313 | $117K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $269.8M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $243.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $202.8M |
| Pledged Securities | RCON0416 | $198.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $193.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $15.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $13.2M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $10.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $8.9M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $7.5M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $6.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $5.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $5.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $4.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $1.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $877K |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $519K |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost | RCONHT50 | $403K |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value | RCONHT51 | $402K |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $346K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $117K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $7K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $6K |
Schedule RC-C, Part I: Loans and Leases (33 items)
About Schedule RC-C, Part I · Fairfield County Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $1.50B |
| Pledged Loans and Leases | RCONG378 | $646.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $456.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $353.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $320.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $292.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $266.8M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $246.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $189.1M |
| Commercial and Industrial Loans | RCON1766 | $178.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $140.4M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $123.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $116.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $107.5M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $103.3M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $102.1M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $93.0M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $80.9M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $55.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $22.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $18.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $13.6M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $11.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $8.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $7.0M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $2.9M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $2.0M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $2.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.7M |
| Real Estate Loans Secured by Farmland | RCON1420 | $277K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $221K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $192K |
| Other Loans | RCONJ464 | $103K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $93.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $41.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $11.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $7.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $2.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $881K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $277K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 1,062 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 225 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 212 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 165 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 65 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 58 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 1 |
Schedule RC-E: Deposit Liabilities (28 items)
About Schedule RC-E · Fairfield County Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Demand Deposits (See Note Below) | RCON2210 | $770.0M |
| Total Transaction Accounts | RCON2215 | $770.0M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $733.7M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $699.2M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $659.3M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $466.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $153.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $38.9M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $38.9M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $37.3M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $36.4M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $36.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $23.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $22.2M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $21.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $18.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $15.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $13.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $5.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $3.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $1.6M |
| Total reciprocal deposits | RCONJH83 | $1.5M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $1.1M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $992K |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $992K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $958K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $471K |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $1K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: Separate Account Life Insurance Assets | RCONK202 | $31.4M |
| Net Deferred Tax Assets | RCON2148 | $21.2M |
| Other Assets | RCON2168 | $16.3M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $10.8M |
| Accrued Interest Receivable | RCONB556 | $6.8M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $6.0M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $2.1M |
Schedule RC-G: Other Liabilities (4 items)
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Fairfield County Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.90B |
| Quarterly Average of Total Loans | RCON3360 | $1.48B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $840.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $596.7M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $464.4M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $444.9M |
| Mortgage-backed Securities | RCONB559 | $260.6M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $178.3M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $135.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $40.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $38.8M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $31.6M |
| All Other Securities | RCONB560 | $8.4M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $5.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $418K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (8 items)
About Schedule RC-L · Fairfield County Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $105.8M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $93.5M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $64.6M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $24.2M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $15.6M |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCON6550 | $11.8M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $5.5M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $3.6M |
Schedule RC-M: Memoranda (10 items)
About Schedule RC-M · Fairfield County Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF060 | $53.0M |
| Other Borrowings: with a Remaining Maturity of One Year or Less | RCONB571 | $53.0M |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $53.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $51.1M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $50.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $50.0M |
| FHLB Advances: Structured Advances | RCONF059 | $50.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $17.1M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $415K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (9 items)
About Schedule RC-N · Fairfield County Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.0M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $1.0M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $678K |
| Additions to Nonaccrual Assets | RCONC410 | $501K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $392K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $286K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $13K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $13K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $10K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Fairfield County Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.90B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.47B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $859.1M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $648.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $604.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $269.8M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $5.5M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $419K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 26,185 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 1,014 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 321 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (22 items)
About Schedule RC-R, Part I · Fairfield County Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $1.92B |
| Average total consolidated assets | RCOAKW03 | $1.90B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.89B |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $315.1M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $311.5M |
| Retained Earnings | RCOAKW00 | $282.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $270.2M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $270.2M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $270.2M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $247.7M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$35.7M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$35.0M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $12.5M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $7.5M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $5.0M |
| Unconditionally Cancellable Commitments | RCOAS540 | $4.1M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $3.6M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | $755K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.1641 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1432 |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $247.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $241.4M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $241.4M |
| Other Comprehensive Income | RIADB511 | -$147K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (10 items)
About Schedule RI-B, Part I · Fairfield County Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $65K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $45K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $40K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $22K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Charge-offs | RIADC897 | $15K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $11K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $8K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $8K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $5K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Fairfield County Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $18.8M |
| Allowance for Loan and Lease Losses | RIAD3123 | $18.5M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $617K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $45K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (13 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $1.50B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $693.0M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $454.5M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $198.9M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $144.9M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $18.5M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $12.5M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $6.4M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $5.8M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $3.9M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $1.5M |
| Loans and Leases, Held for Investment, Unallocated, Allowance Balance | RCONJJ18 | $700K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $173K |
Fairfield County Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Fairfield County Bank call report?
The Fairfield County Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Fairfield County Bank file?
Fairfield County Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Fairfield County Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Fairfield County Bank has Federal Reserve RSSD ID 882701 and FDIC certificate number 18213. Either one finds its filings on the FFIEC Central Data Repository.
How often does Fairfield County Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Fairfield County Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 18213) · FFIEC NIC profile (RSSD 882701)