Fairfield County Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 105.95 percentage points in Q2 2026, from 578.25% to 684.20%. It was the largest change from Q1 2026 among the key lines here. Within Connecticut, Fairfield County Bank is 18th of 27 on return on assets, 0.76% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Fairfield County Bank sits 0.52 points lower, at 0.76% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.32% |
| Equity capital to assets | 12.90% |
| Tangible equity to tangible assets | 12.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.18% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.04% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 684.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.76% |
| Return on equity | 5.88% |
| Net interest margin | 3.62% |
| Efficiency ratio | 72.42% |
| Yield on earning assets | 4.79% |
| Cost of funds | 1.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 102.35% |
| Core deposits to total deposits | 97.36% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 76.53% |
| Securities to assets | 11.77% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.39% | 0.36% | 2.72% | 0.48% | -0.01% |
| Q4 2023 | 12.12% | 0.12% | 2.60% | 0.45% | -0.00% |
| Q1 2024 | 12.25% | 0.08% | 2.45% | 0.21% | -0.01% |
| Q2 2024 | 12.21% | 0.17% | 2.49% | 0.22% | 0.02% |
| Q3 2024 | 12.52% | 0.25% | 2.50% | 0.45% | -0.09% |
| Q4 2024 | 13.29% | 0.62% | 2.68% | 0.21% | -0.02% |
| Q1 2025 | 14.29% | 0.39% | 3.16% | 0.26% | -0.01% |
| Q2 2025 | 14.29% | 0.42% | 3.18% | 0.18% | -0.02% |
| Q3 2025 | 14.36% | 0.52% | 3.26% | 0.21% | -0.00% |
| Q4 2025 | 14.36% | 0.49% | 3.34% | 0.19% | -0.01% |
| Q1 2026 | 14.27% | 0.60% | 3.45% | 0.22% | -0.01% |
| Q2 2026 | 14.32% | 0.76% | 3.62% | 0.18% | 0.00% |
Fairfield County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fairfield County Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)