Fairfield County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Fairfield County Bank of Ridgefield, CT against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.76% | 1.44% | -0.68% | 17th bottom |
| ROAE | 5.88% | 12.51% | -6.63% | 13th bottom |
| Net Interest Margin | 3.62% | 3.84% | -0.22% | 43rd below |
| Efficiency Ratio | 72.42% | 58.86% | +13.56% | 16th bottom |
| PPNR / Avg Assets | 1.04% | 1.78% | -0.74% | 17th bottom |
| Yield on Earning Assets | 4.79% | 5.71% | -0.92% | 13th bottom |
| Cost of Funds | 1.34% | 2.03% | -0.69% | 86th top |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.17% | 3.18% | -0.01% | 58th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.18% | 0.97% | -0.79% | 83rd top |
| NPA / Total Assets | 0.14% | 0.75% | -0.61% | 82nd top |
| NCO / Avg Loans | 0.00% | 0.31% | -0.31% | 69th above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.25% | -0.02% | 63rd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 684.20% | 698.86% | -14.66% | 86th top |
| Texas Ratio | 1.04% | 7.17% | -6.13% | 87th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.32% | 11.59% | +2.73% | 91st top |
| Equity / Assets | 12.90% | 11.33% | +1.57% | 84th top |
| TCE / Tangible Assets | 12.68% | 10.65% | +2.03% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 102.35% | 86.33% | +16.02% | 12th bottom |
| Core Deposit Ratio | 97.36% | 85.54% | +11.82% | 95th top |
| Uninsured Deposit Ratio | 44.10% | 32.70% | +11.40% | 18th bottom |
| Wholesale Funding Ratio | 8.05% | 5.45% | +2.60% | 23rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.88% | 10.46% | -5.58% | 48th below |
| Loan Growth (Y/Y) | 8.27% | 7.99% | +0.28% | 66th above |
| Deposit Growth (Y/Y) | 2.77% | 7.98% | -5.21% | 36th below |
See Fairfield County Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Fairfield County Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Fairfield County Bank profile, how to read a UBPR, or how this data updates.