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

First County Bank

Stamford, Connecticut · $2.42B in assets · beside the 11 other Connecticut banks between $1B and $3B

The filing

45.8%
CRE / loans
12th of 12
0.47%
ROA
12th of 12
369.4%
CRE / capital
12th of 12

First County Bank is the second largest of the 12 Connecticut banks between $1B and $3B, with $2.42B in assets at 30 June 2026. Loans are 99.7% of deposits, 7th of 12 against a median of 98.7%, and equity is 7.9% of assets, 11th of 12. Loans grew +12.9% in the year, 3rd of 12, and deposits grew 9.4%; the cohort's median loan growth is +7.7%.

Noncurrent loans are 0.24% of the book, 4th of 12 against a median of 0.49%; 0.11% is 30 to 89 days past due, and the allowance covers them 3.6 times. Commercial real estate is 45.8% of loans, the highest in the cohort against a median of 34.0%, and 369% of capital, above the 300% screen, with construction at 52% against the 100% screen. CRE has grown +61.0% over 36 months, past the guidance's 50% prong.

Return on assets is 0.47%, the lowest in the cohort against a median of 0.84%, on an efficiency ratio of 80.5%, 11th of 12. Five years ago it was 0.69%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 12.2% of loans).

Commercial real estate, share of loansCT banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 34.0% NS Newtown Savings Bank 15.4% CG Chelsea Groton Bank 17.2% IB Ives Bank 25.3% NC Northwest Community Bank 27.6% TS Torrington Savings Bank 31.0% AB Ascend Bank 31.7% TS Thomaston Savings Bank 36.3% DB Dime Bank 39.8% FC Fairfield County Bank 40.3% PB Patriot Bank National Association 41.3% IB Ion Bank 42.0% FC First County Bank 45.8%
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

First County Bank is the 40th largest 7(a) lender into Connecticut of 230, with $16M across 38 loans, 0.4% 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$5M24th of 940.9%quiet FY2022
Western Ct, CT$4M23rd of 961.1%-2.5 pts
Lower Ct River Vly, CT$4M9th of 413.9%quiet FY2022
Greater Bridgeport, CT$2M27th of 551.1%quiet FY2022
Capitol, CT$250K87th of 1010.0%quiet FY2022
New Haven, CT$240K86th of 1000.1%quiet FY2010
Queens, NY$150K144th of 1550.0%quiet FY2018
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
Other services4$5M32.7%0.01%527th of 2,248
Real estate & leasing3$3M16.7%0.02%482nd of 1,452
Professional & technical services9$2M15.5%0.01%660th of 1,955
Retail trade5$1M9.3%0.00%1336th of 2,589
Health care & social assistance3$1M6.5%0.00%1154th of 2,172
7(a) lenders into Connecticut, share of approvals since FY2008230 lenders on record; the ten largest and First 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 First County Bank 0.4% $16M · 38 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; owner-occupied excluded; bold marks a screen met
First County BankRankCohort median
Total CRE against capital, the 300% screen369%12th of 12240%
Construction against capital, the 100% screen52%10th of 1230%
Construction and land development, share of loans6.5%10th of 125.3%
Non-owner-occupied nonfarm nonresidential, share of loans21.6%7th of 1219.7%
Total CRE, the guidance definition, share of loans45.8%12th of 1234.0%
CRE growth over 36 months, the third prong+61.0%8th 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
First County BankCohort median
20212026Change20212026Change
Loans$1.34B$1.91B+43%$944M$1.38B+46%
Deposits$1.62B$1.92B+19%$1.19B$1.34B+13%
NPA / loans1.31%0.24%-1.07 pts0.63%0.49%-0.14 pts
Efficiency74.4%80.5%+6.1 pts73.5%73.2%-0.2 pts
ROA0.69%0.47%-0.22 pts0.91%0.84%-0.07 pts

This read was prepared for First 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 First 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 WWW.FIRSTCOUNTYBANK.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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