First County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First County Bank of Stamford, CT against its peer group of 941 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 | 0.69% | 1.34% | -0.65% | 13th bottom |
| ROAE | 8.48% | 12.34% | -3.86% | 21st bottom |
| Net Interest Margin | 2.65% | 3.83% | -1.18% | 6th bottom |
| Efficiency Ratio | 80.76% | 58.97% | +21.79% | 5th bottom |
| PPNR / Avg Assets | 0.56% | — | — | 4th bottom |
| Yield on Earning Assets | 4.86% | 5.71% | -0.85% | 15th bottom |
| Cost of Funds | 2.38% | 2.02% | +0.36% | 26th below |
| Net Interest Spread | 2.15% | — | — | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 0.87% | -0.63% | 74th above |
| NPA / Total Assets | 0.19% | — | — | 73rd above |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 74th above |
| ACL / Total Loans | 0.88% | — | — | 18th bottom |
| ACL / NPLs (Coverage) | 363.22% | — | — | 69th above |
| Texas Ratio | 2.23% | 5.48% | -3.25% | 66th above |
| Provision / NCO | -175100.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.08% | 14.99% | -2.91% | 26th below |
| Tier 1 Ratio | 12.08% | 15.02% | -2.94% | 26th below |
| Total Capital Ratio | 13.02% | — | — | 22nd bottom |
| Leverage Ratio | 9.55% | 11.11% | -1.56% | 23rd bottom |
| Equity / Assets | 7.88% | 11.02% | -3.14% | 6th bottom |
| TCE / Tangible Assets | 7.88% | — | — | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.65% | 86.99% | +12.66% | 18th bottom |
| Core Deposit Ratio | 82.85% | 85.57% | -2.72% | 28th below |
| Uninsured Deposit Ratio | 27.03% | 33.19% | -6.16% | 63rd above |
| Wholesale Funding Ratio | 10.59% | — | — | 13th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.69% | — | — | 69th above |
| Loan Growth (Y/Y) | 12.85% | — | — | 80th top |
| Deposit Growth (Y/Y) | 9.37% | — | — | 72nd above |
See First County Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First 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 First County Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First County Bank peer analysis.