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

Fieldpoint Private Bank & Trust

Greenwich, Connecticut · $867M in assets · beside the 9 other Connecticut banks between $300M and $1B

The filing

6.5%
Equity / assets
10th of 10
1.93%
NPA / loans
10th of 10
-0.29%
ROA
10th of 10

Fieldpoint Private Bank & Trust is the third largest of the 10 Connecticut banks between $300M and $1B, with $867M in assets at 30 June 2026. Loans are 79.2% of deposits, 3rd of 10 against a median of 93.9%, and equity is 6.5% of assets, the lowest in the cohort. Loans grew -22.6% in the year, the slowest in the cohort, and deposits fell 9.3%; the cohort's median loan growth is +3.1%.

Noncurrent loans are 1.93% of the book, the highest in the cohort against a median of 0.77%; 0.75% is 30 to 89 days past due, and the allowance covers them 0.5 times. Commercial real estate is 28.1% of loans, 8th of 10 against a median of 24.6%, and 257% of capital, below the 300% screen, with construction at 24% against the 100% screen.

Return on assets is -0.29%, the lowest in the cohort against a median of 0.73%, on an efficiency ratio of 119.0%, the highest in the cohort. Five years ago it was 0.23%. The question is where the nonperforming loans sit by category, and whether the allowance and the capital behind them hold under a loss path.

Nonperforming loans, share of loansCT banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 0.77% NI National Iron Bank 0.00% CC Connecticut Community Bank N.A. 0.02% DB DR Bank 0.14% MB Milford Bank 0.49% SS Stafford Savings Bank 0.56% WF Windsor Federal Bank 0.99% JC Jewett City Savings Bank 1.01% EB Essex Bank 1.27% FB First Bank of Greenwich 1.30% FP Fieldpoint Private Bank & Trust 1.93%
Loans, year over yearCT banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +3.1% DB DR Bank +23.5% WF Windsor Federal Bank +10.6% JC Jewett City Savings Bank +7.7% MB Milford Bank +4.7% NI National Iron Bank +4.5% CC Connecticut Community Bank N.A. +1.7% FB First Bank of Greenwich +1.6% EB Essex Bank +1.2% SS Stafford Savings Bank -0.5% FP Fieldpoint Private Bank & Trust -22.6%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Fieldpoint PrivateRankCohort median
Total CRE against capital, the 300% screen257%9th of 10134%
Construction against capital, the 100% screen24%3rd of 1034%
Construction and land development, share of loans2.6%2nd of 104.5%
Non-owner-occupied nonfarm nonresidential, share of loans20.9%8th of 1013.8%
Total CRE, the guidance definition, share of loans28.1%8th of 1024.6%
CRE growth over 36 months, the third prong-61.7%1st of 10+21.3%
Commercial real estate against capital, the 300% screenCT banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 134% SS Stafford Savings Bank 1% NI National Iron Bank 61% EB Essex Bank 125% CC Connecticut Community Bank N.A. 127% DB DR Bank 131% MB Milford Bank 137% JC Jewett City Savings Bank 200% WF Windsor Federal Bank 214% FP Fieldpoint Private Bank & Trust 257% FB First Bank of Greenwich 367%
CRE growth over 36 months, the guidance's third prongCT banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +21.3% FP Fieldpoint Private Bank & Trust -61.7% NI National Iron Bank -33.1% CC Connecticut Community Bank N.A. -5.0% MB Milford Bank +2.7% DB DR Bank +17.2% WF Windsor Federal Bank +25.3% FB First Bank of Greenwich +38.1% EB Essex Bank +43.3% SS Stafford Savings Bank +96.5% JC Jewett City Savings Bank +120.9%

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
DR Bank$913M2.5%50.6%0.14%0.30%0.7%99.6%9.6%
Windsor Federal Bank$895M0.2%74.3%0.99%0.77%0.9%97.8%8.9%
Fieldpoint Private Bank & Trust$867M-0.3%119.0%1.93%0.02%1.0%79.2%6.5%
First Bank of Greenwich$812M0.8%65.7%1.30%0.00%1.1%106.7%9.3%
Milford Bank$652M0.6%77.1%0.49%0.00%1.0%101.8%8.9%
Essex Bank$537M1.1%82.5%1.27%0.00%0.9%82.4%14.3%
Connecticut Community Bank N.A.$526M0.3%91.8%0.02%0.00%1.1%72.7%13.7%
Stafford Savings Bank$507M8.3%51.0%0.56%-0.03%1.9%32.9%48.9%
Jewett City Savings Bank$494M0.3%75.8%1.01%0.88%1.0%101.5%14.1%
National Iron Bank$318M0.8%69.9%0.00%0.00%0.5%90.1%8.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Fieldpoint PrivateCohort median
20212026Change20212026Change
Loans$899M$619M-31%$380M$464M+22%
Deposits$1.00B$782M-22%$446M$480M+7%
NPA / loans1.73%1.93%+0.21 pts0.44%0.77%+0.34 pts
Efficiency88.9%119.0%+30.1 pts82.4%75.1%-7.3 pts
ROA0.23%-0.29%-0.51 pts0.52%0.73%+0.21 pts

This read was prepared for Fieldpoint Private Bank & Trust'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 Fieldpoint Private Bank & Trust 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 $300M to $1B
Institution www,fieldpointprivate.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. 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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