The First Bank of Greenwich
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Data as of · sourced from FFIEC call reports. How we update
The First Bank of Greenwich is an FDIC-insured commercial bank headquartered in Cos Cob, CT, established in 2006 (FDIC certificate 58307), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $812.3M, up 1.1% from Q2 2025, the 19th largest of 27 banks headquartered in Connecticut. Its CET1 capital ratio was 11.10% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58307
- Headquarters
- Cos Cob, CT
- Established
- 2006
- Total assets, Q2 2026
- $812.3M
- Assets vs Q2 2025
- +1.1%
- CET1 ratio, Q2 2026
- 11.10%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 021114153
- Latest call report
- Q2 2026, FFIEC 051 · The First Bank of Greenwich Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- FIRST GREENWICH FINANCIAL, INC.
- Asset rank in state
- 19th of 27 in Connecticut
Problem loans are rising at The First Bank of Greenwich. It reported $812 million in assets at June 30, 2026, up 1.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.30% of loans from 0.00% a year earlier. It keeps 3.00 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also holds common equity equal to 11.10% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.11%).
Net income for the quarter rose 14% from a year earlier, to $1.7 million. Concentration is the risk to watch: it holds commercial real estate loans worth 3.7 times its capital, about triple the median of 1.2 times for banks its size.
As of June 30, 2026, The First Bank of Greenwich reported a CET1 capital ratio of 11.10%, a return on assets of 0.84%, a nonperforming-loan ratio of 1.30% and a Texas ratio of 11.26%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First Bank of Greenwich is the 19th largest of the 27 banks headquartered in Connecticut. From Q1 2026 to Q2 2026, its total assets rose 0.7% to $812.3M, loans rose 1.1% and deposits rose 4.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 35.1% of total loans, ahead of non-owner-occupied commercial real estate loans at 25.5%. Its 3 offices in the FDIC Summary of Deposits are in Cos Cob, CT, Port Chester, NY and Stamford, CT; its Cos Cob office books 68% of its branch deposits. By the capital ratios in its Q2 2026 call report, The First Bank of Greenwich meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 444 E Putnam Ave, Cos Cob, CT 06807
- County
- Western Connecticut
- Metro Area
- Bridgeport-Stamford-Danbury, CT
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 20, 2006
- Former names
- The First Bank of Greenwich (2009)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 57
- Domestic deposits
- $680.7M
- Allowance for credit losses
- $7.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $810.0M
- Average total loans
- $723.7M
- Average interest-bearing deposits
- $523.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 20, 2006
- FDIC Cert
- 58307
- Fed RSSD
- 3466988
- SEC CIK
- 1703590 → filed by FIRST GREENWICH FINANCIAL, INC.
- Website
- http://www.greenwichfirst.com →
- Parent Holding Company
- FIRST GREENWICH FINANCIAL, INC. (RSSD 4894588) · FGFI
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The First Bank of Greenwich's total assets moved between a low of $730.2M (Q3 2023) and a high of $817.5M (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$812.3M total assets against $803.2M; $736.6M total liabilities against $733.0M.
$718.7M net loans and leases against $707.2M; $680.7M total deposits against $687.0M.
$7.8M securities against $10.6M; $51.6M cash and balances due against $53.0M.
$10.8M total interest income against $10.9M; $4.9M total interest expense against $5.5M.
$5.9M net interest income against $5.4M.
$289K total noninterest income against $313K; $4.0M total noninterest expense against $3.7M.
-$10K provision for credit losses against $145K.
$1.7M net income against $1.5M.
0.84% return on assets against 0.73%; 3.00% net interest margin against 2.74%.
11.10% CET1 capital ratio against 10.63%; 9.26% tier 1 leverage ratio against 8.58%.
Inside the full The First Bank of Greenwich terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
The First Bank of Greenwich rankings
Its closest position to the top of a national ranking is 530 of 3,640, for Texas Ratio; its furthest is 1,933 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.25% (Q4 2025) to 0.84% (Q2 2026) and its net interest margin ran from 2.18% (Q3 2024) to 3.05% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.10% | 0.84% | 1.30% | 11.26% | 3.00% |
| Q1 2026 | 11.02% | 0.81% | 0.79% | 6.98% | 2.97% |
| Q4 2025 | 10.68% | 0.25% | 1.00% | 8.95% | 2.99% |
| Q3 2025 | 10.87% | 0.82% | 0.00% | 0.00% | 3.05% |
| Q2 2025 | 10.63% | 0.73% | 0.00% | 0.00% | 2.74% |
| Q1 2025 | 10.35% | 0.50% | 0.00% | 0.00% | 2.41% |
| Q4 2024 | 10.45% | 0.45% | 0.00% | 0.00% | 2.31% |
| Q3 2024 | 10.66% | 0.42% | 0.00% | 0.00% | 2.18% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First Bank of Greenwich | Cos Cob , CT | 06807 | $464.0M |
| Westchester Branch | Port Chester , NY | 10573 | $111.2M |
| Stamford Branch | Stamford , CT | 06905 | $105.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in CT, rank 30 of 46 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 28 applications, 23 loans originated, $23.3M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $800K approved, $400K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First Bank of Greenwich
What are The First Bank of Greenwich's total assets?
As of the Q2 2026 filing, The First Bank of Greenwich reported total assets of $812.3 million in its FFIEC call report.
Where is The First Bank of Greenwich headquartered?
It is headquartered in Cos Cob, CT, United States.
When was The First Bank of Greenwich founded?
It was established in 2006, per the FDIC institution directory.
Is The First Bank of Greenwich FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58307). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First Bank of Greenwich?
The First Bank of Greenwich's primary federal regulator is the FDIC.
What is The First Bank of Greenwich's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.10% in its Q2 2026 call report, above regulatory requirements.
How many branches does The First Bank of Greenwich operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First Bank of Greenwich's Texas Ratio?
Its Texas Ratio is 11.26% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The First Bank of Greenwich previously called?
The charter now named The First Bank of Greenwich has also operated as The First Bank of Greenwich (2009), per FDIC structure-change records.
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