The First Bank of Greenwich: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.45 percentage points lower than in Q1 2026, at 106.73%. Within Connecticut, The First Bank of Greenwich is 15th of 27 on return on assets, 0.84% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The First Bank of Greenwich sits 0.41 points lower, at 0.84% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.10% |
| Tier 1 risk-based capital ratio | 11.10% |
| Total risk-based capital ratio | 12.34% |
| Tier 1 leverage ratio | 9.26% |
| Equity capital to assets | 9.32% |
| Tangible equity to tangible assets | 9.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.07% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 11.26% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 1479.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.84% |
| Return on equity | 9.12% |
| Net interest margin | 3.00% |
| Efficiency ratio | 65.11% |
| Yield on earning assets | 5.50% |
| Cost of funds | 2.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 106.73% |
| Core deposits to total deposits | 55.29% |
| Brokered deposits to total deposits | 16.16% |
| Deposits to assets | 83.80% |
| Securities to assets | 0.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.31% | 11.31% | 12.56% | 8.86% | 0.58% |
| Q4 2023 | 11.28% | 11.28% | 12.53% | 8.81% | 0.51% |
| Q1 2024 | 10.61% | 10.61% | 11.83% | 8.77% | 0.36% |
| Q2 2024 | 11.15% | 11.15% | 12.40% | 8.89% | 0.66% |
| Q3 2024 | 10.66% | 10.66% | 11.90% | 8.81% | 0.42% |
| Q4 2024 | 10.45% | 10.45% | 11.68% | 8.58% | 0.45% |
| Q1 2025 | 10.35% | 10.35% | 11.57% | 8.43% | 0.50% |
| Q2 2025 | 10.63% | 10.63% | 11.87% | 8.58% | 0.73% |
| Q3 2025 | 10.87% | 10.87% | 12.12% | 8.94% | 0.82% |
| Q4 2025 | 10.68% | 10.68% | 11.92% | 9.08% | 0.25% |
| Q1 2026 | 11.02% | 11.02% | 12.27% | 9.25% | 0.81% |
| Q2 2026 | 11.10% | 11.10% | 12.34% | 9.26% | 0.84% |
The First Bank of Greenwich vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Bank of Greenwich, 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 The First Bank of Greenwich profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58307) · FFIEC NIC profile (RSSD 3466988)