First County Bank
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Data as of · sourced from FFIEC call reports. How we update
First County Bank is an FDIC-insured savings bank headquartered in Stamford, CT, established in 1851 (FDIC certificate 18204), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.42B, up 8.7% from Q2 2025, the 5th largest of 27 banks headquartered in Connecticut. Its CET1 capital ratio was 12.08% at Q2 2026, above regulatory requirements.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18204
- Headquarters
- Stamford, CT
- Established
- 1851
- Total assets, Q2 2026
- $2.42B
- Assets vs Q2 2025
- +8.7%
- CET1 ratio, Q2 2026
- 12.08%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 221172212
- Asset rank in state
- 5th of 27 in Connecticut
First County Bank spends more to run itself than most banks of its size. Based in Stamford, Connecticut, it had $2.4 billion in assets at June 30, 2026, up 8.7% from a year earlier. It spends about 81 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also keeps 2.65 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
Loans are outrunning deposits: over the year loans rose 12.9% and deposits rose 9.4%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.7 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
As of June 30, 2026, First County Bank reported a CET1 capital ratio of 12.08%, a return on assets of 0.69%, a nonperforming-loan ratio of 0.24% and a Texas ratio of 2.23%. The figures come from its call report filed with the FFIEC.
First County Bank ranks as the 5th largest of the 27 banks based in Connecticut, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.7% to $2.42B, loans rose 6.0% and deposits rose 8.4%. 1-4 family residential loans made up 37.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 21.6%. The FDIC Summary of Deposits lists 13 offices for it, in 7 cities in CT; its Stamford 6 offices book 57% of its branch deposits. By the capital ratios in its Q2 2026 call report, First County Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 117 Prospect St, Stamford, CT 06901
- County
- Western Connecticut
- Metro Area
- Bridgeport-Stamford-Danbury, CT
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- June 20, 1851
- Former names
- The Stamford Savings Bank (1978-1989)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 196
- Domestic deposits
- $1.92B
- Allowance for credit losses
- $16.8M
- Net charge-offs (YTD)
- $328K
- Average total assets
- $2.31B
- Average total loans
- $1.84B
- Average interest-bearing deposits
- $1.41B
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- July 1, 1960
- FDIC Cert
- 18204
- Fed RSSD
- 958204
- Website
- WWW.FIRSTCOUNTYBANK.COM →
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
From Q3 2023 to Q2 2026, First County Bank's total assets ranged from $2.14B (Q3 2023) to $2.42B (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
$2.42B total assets against $2.23B; $2.23B total liabilities against $2.05B.
$1.90B net loans and leases against $1.68B; $1.92B total deposits against $1.76B.
$284.5M securities against $313.6M; $87.1M cash and balances due against $85.9M.
$26.5M total interest income against $24.6M; $12.0M total interest expense against $13.7M.
$14.5M net interest income against $10.9M.
$2.5M total noninterest income against $2.3M; $13.8M total noninterest expense against $12.4M.
-$1.8M provision for credit losses against -$69K.
$4.0M net income against $747K.
0.69% return on assets against 0.13%; 2.65% net interest margin against 2.06%.
12.08% CET1 capital ratio against 13.45%; 9.55% tier 1 leverage ratio against 9.41%.
Inside the full First County Bank 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.
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).
First County Bank rankings
Its closest position to the top of a national ranking is 504 of 4,196, for total assets; its furthest is 3,275 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.11% (Q4 2024) to 0.69% (Q2 2026) and its net interest margin ran from 1.71% (Q3 2024) to 2.65% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.08% | 0.69% | 0.24% | 2.23% | 2.65% |
| Q1 2026 | 12.69% | 0.25% | 0.25% | 2.18% | 2.39% |
| Q4 2025 | 13.32% | 0.28% | 0.15% | 1.27% | 2.18% |
| Q3 2025 | 13.52% | 0.28% | 0.18% | 1.55% | 2.15% |
| Q2 2025 | 13.45% | 0.13% | 0.14% | 1.21% | 2.06% |
| Q1 2025 | 13.31% | 0.21% | 0.13% | 1.15% | 1.93% |
| Q4 2024 | 13.35% | 0.11% | 0.10% | 0.94% | 1.84% |
| Q3 2024 | 13.63% | 0.16% | 0.09% | 0.87% | 1.71% |
Swipe the table sideways to see every column.
Branch Network
View all 13 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 |
|---|---|---|---|
| Springdale Branch | Stamford , CT | 06907 | $220.0M |
| First County Bank (main office) | Stamford , CT | 06901 | $214.8M |
| North Stamford Branch | Stamford , CT | 06905 | $208.6M |
| Summer Street Branch | Stamford , CT | 06905 | $174.8M |
| West Main Street Branch | Stamford , CT | 06902 | $163.3M |
| Greenwich Branch | Greenwich , CT | 06830 | $158.1M |
| Fairfield Branch | Fairfield , CT | 06824 | $144.6M |
| Darien Branch | Darien , CT | 06820 | $124.9M |
| Westport Branch | Westport , CT | 06880 | $116.9M |
| New Canaan Branch | New Canaan , CT | 06840 | $114.0M |
| Shippan Avenue Branch | Stamford , CT | 06902 | $105.2M |
| Norwalk Main Ave Branch | Norwalk , CT | 06851 | $104.0M |
| Norwalk Conn. Ave Branch | Norwalk , CT | 06854 | $70.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.1% of deposits in CT, rank 13 of 46 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $400K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 First County Bank
What are First County Bank's total assets?
As of the Q2 2026 filing, First County Bank reported total assets of $2.42 billion in its FFIEC call report.
Where is First County Bank headquartered?
It is headquartered in Stamford, CT, United States.
When was First County Bank founded?
It was established in 1851, per the FDIC institution directory.
Is First County Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #18204). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First County Bank?
First County Bank's primary federal regulator is the FDIC.
What is First County Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.08% in its Q2 2026 call report, above regulatory requirements.
How many branches does First County Bank operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First County Bank's Texas Ratio?
Its Texas Ratio is 2.23% 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 First County Bank previously called?
The charter now named First County Bank has also operated as The Stamford Savings Bank (1978-1989), per FDIC structure-change records.
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