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Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Connecticut, the state note

Fairfield County Bank

Ridgefield, Connecticut · $1.92B in assets · beside the 11 other Connecticut banks between $1B and $3B

The filing

0.05%
NPA / loans
1st of 12
27.3x
Coverage of noncurrent
1st of 12
102.4%
Loans / deposits
10th of 12

Fairfield County Bank is the fourth largest of the 12 Connecticut banks between $1B and $3B, with $1.92B in assets at 30 June 2026. Loans are 102.4% of deposits, 10th of 12 against a median of 98.7%, and equity is 12.9% of assets, 4th of 12. Loans grew +8.3% in the year, 6th of 12, and deposits grew 2.8%; the cohort's median loan growth is +7.7%.

Noncurrent loans are 0.05% of the book, the lowest in the cohort against a median of 0.49%; 0.07% is 30 to 89 days past due, and the allowance covers them 27.3 times. Commercial real estate is 40.3% of loans, 9th of 12 against a median of 34.0%, and 224% of capital, below the 300% screen, with construction at 59% against the 100% screen.

Return on assets is 0.68%, 8th of 12 against a median of 0.84%, on an efficiency ratio of 75.3%, 8th of 12. Five years ago it was 0.97%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansCT banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 0.49% FC Fairfield County Bank 0.05% TS Torrington Savings Bank 0.14% DB Dime Bank 0.20% FC First County Bank 0.24% NS Newtown Savings Bank 0.37% CG Chelsea Groton Bank 0.48% AB Ascend Bank 0.50% NC Northwest Community Bank 0.60% TS Thomaston Savings Bank 0.65% IB Ives Bank 1.41% IB Ion Bank 1.49% PB Patriot Bank National Association 2.75%
Loans, year over yearCT banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +7.7% PB Patriot Bank National Association +50.9% AB Ascend Bank +30.0% FC First County Bank +12.9% DB Dime Bank +10.7% NC Northwest Community Bank +10.2% FC Fairfield County Bank +8.3% TS Thomaston Savings Bank +7.1% CG Chelsea Groton Bank +5.4% IB Ives Bank +4.6% NS Newtown Savings Bank +1.7% TS Torrington Savings Bank +1.3% IB Ion Bank -1.0%

SBA 7(a), FY2008 to FY2026

Fairfield County Bank is the 30th largest 7(a) lender into Connecticut of 230, with $27M across 149 loans, 0.7% of everything approved in the state (Webster Bank National Association leads with $446M). 6 of its 7 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Connecticut, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Fairfield, CT$21M9th of 943.4%quiet FY2018
Western Ct, CT$5M21st of 961.2%thin
New Haven, CT$1M49th of 1000.2%quiet FY2012
Litchfield, CT$320K36th of 500.3%quiet FY2011
Westchester, NY$300K125th of 1520.0%quiet FY2011
Bergen, NJ$215K154th of 1610.0%quiet FY2014
New York, NY$75K202nd of 2080.0%quiet FY2013
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade38$11M39.4%0.02%465th of 2,589
Accommodation & food services23$3M10.6%0.00%1071st of 2,596
Professional & technical services20$3M10.3%0.01%625th of 1,955
Health care & social assistance11$3M10.2%0.01%750th of 2,172
Wholesale trade6$2M6.1%0.01%738th of 1,651
7(a) lenders into Connecticut, share of approvals since FY2008230 lenders on record; the ten largest and Fairfield County Bank
WB Webster Bank National Association 11.1% $446M · 1,608 loans Ma Manufacturers and Traders Trust C… 7.9% $315M · 2,046 loans LO Live Oak Banking Company 7.7% $307M · 252 loans NS Newtek Small Business Finance, In… 5.7% $227M · 276 loans KN KeyBank National Association 4.3% $173M · 570 loans TB TD Bank, National Association 4.3% $173M · 1,038 loans BB Beacon Bank and Trust 3.6% $146M · 418 loans CB Celtic Bank Corporation 3.4% $134M · 178 loans WF Wells Fargo Bank National Associa… 3.1% $126M · 350 loans LB Liberty Bank 2.7% $109M · 734 loans FC Fairfield County Bank 0.7% $27M · 149 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers, Fairfield County Bank among them; owner-occupied excluded; bold marks a screen met
Fairfield County BankRankCohort median
Total CRE against capital, the 300% screen224%5th of 12240%
Construction against capital, the 100% screen59%11th of 1230%
Construction and land development, share of loans10.5%12th of 125.3%
Non-owner-occupied nonfarm nonresidential, share of loans23.5%10th of 1219.7%
Total CRE, the guidance definition, share of loans40.3%9th of 1234.0%
CRE growth over 36 months, the third prong+11.9%2nd of 12+54.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Ion Bank$2.78B0.9%74.3%1.49%0.13%1.1%88.3%12.3%
First County Bank$2.42B0.5%80.5%0.24%0.03%0.9%99.7%7.9%
Thomaston Savings Bank$1.93B1.1%62.3%0.65%0.04%1.0%84.8%9.4%
Fairfield County Bank$1.92B0.7%75.3%0.05%0.00%1.2%102.4%12.9%
Newtown Savings Bank$1.87B0.8%72.2%0.37%0.01%1.3%97.3%8.9%
Chelsea Groton Bank$1.75B1.4%58.4%0.48%0.00%0.9%111.5%15.8%
Ives Bank$1.73B1.1%62.5%1.41%0.00%1.3%105.3%13.3%
Ascend Bank$1.49B1.0%69.4%0.50%0.06%0.8%88.1%10.1%
Patriot Bank National Association$1.32B0.7%86.5%2.75%-0.07%0.9%75.2%8.0%
Northwest Community Bank$1.26B0.5%79.5%0.60%0.00%0.9%97.7%6.9%
Dime Bank$1.21B0.9%67.0%0.20%0.32%1.0%101.2%11.3%
Torrington Savings Bank$1.00B0.6%76.8%0.14%0.00%0.9%100.4%18.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Fairfield County BankCohort median
20212026Change20212026Change
Loans$1.29B$1.50B+16%$944M$1.38B+46%
Deposits$1.55B$1.47B-5%$1.19B$1.34B+13%
NPA / loans0.52%0.05%-0.47 pts0.63%0.49%-0.14 pts
Efficiency70.0%75.3%+5.3 pts73.5%73.2%-0.2 pts
ROA0.97%0.68%-0.29 pts0.91%0.84%-0.07 pts

This read was prepared for Fairfield County Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Fairfield County Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CT banks $1B to $3B
Institution fairfieldcountybank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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