Fairfield County Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 13.83 percentage points in Q2 2026, from 41.03% to 54.86%. It was the largest change from Q1 2026 among the key lines here. Fairfield County Bank ranks 6th of 27 Connecticut banks on loan-to-deposit ratio, in the upper half at 102.35% (Q2 2026). Fairfield County Bank reported 102.35% on loan-to-deposit ratio for Q2 2026, 14.15 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.50B |
| Net loans and leases | $1.49B |
| Loans held for sale | $2K |
| Loans to total assets | 78.33% |
| Loan-to-deposit ratio | 102.35% |
| Net loans to equity capital | 6.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.93% |
| Multifamily (5+ residential) | 6.19% |
| Commercial and industrial | 11.89% |
| Consumer | 0.03% |
| Credit cards | 0.00% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 237.63% |
| Construction concentration (Tier 1 capital + allowance) | 54.86% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.26% |
| Interest income on loans | $19.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.42B | $1.56B | 40.20% | 13.26% | 0.02% |
| Q4 2023 | $1.42B | $1.48B | 40.36% | 11.83% | 0.04% |
| Q1 2024 | $1.42B | $1.52B | 40.57% | 12.30% | 0.04% |
| Q2 2024 | $1.41B | $1.53B | 40.77% | 11.44% | 0.04% |
| Q3 2024 | $1.39B | $1.49B | 40.78% | 11.52% | 0.04% |
| Q4 2024 | $1.39B | $1.38B | 41.10% | 11.62% | 0.03% |
| Q1 2025 | $1.38B | $1.39B | 40.99% | 11.41% | 0.03% |
| Q2 2025 | $1.39B | $1.43B | 40.73% | 11.04% | 0.03% |
| Q3 2025 | $1.40B | $1.42B | 40.81% | 11.19% | 0.02% |
| Q4 2025 | $1.48B | $1.39B | 41.34% | 12.32% | 0.02% |
| Q1 2026 | $1.49B | $1.43B | 41.22% | 12.13% | 0.02% |
| Q2 2026 | $1.50B | $1.47B | 39.93% | 11.89% | 0.03% |
Fairfield County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fairfield County Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Fairfield County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18213) · FFIEC NIC profile (RSSD 882701)