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Fairfield County Bank
Ridgefield, CT · FDIC Certificate #18213 · Chartered 05/1
Total assets
$1.92B
Total deposits
$1.47B
Total equity
$247.71M
Net loans
$1.49B
Branches (offices)
17
Net income (YTD)
$6.46M
Rank: #623 of 4,213 U.S. banks by assets · #7 of 26 in Connecticut. Assets changed 4.9% and deposits 2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.68% |
| Return on equity | 5.29% |
| Net interest margin (YTD) | 3.56% |
| Equity to assets | 12.90% |
| Tier 1 leverage ratio | 14.32% |
| Uninsured deposits (share of deposits) | 44.1% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 101.1% |
| Real estate loans (share of loans) | 89.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.32B | 89.0% | |
| Commercial & industrial | $178.85M | 12.0% | |
| Consumer / individual | $413.00K | 0.0% | |
| Construction & development | $158.40M | 10.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.02B | $1.69B | $6.71M | $202.49M |
| Jun 2023 | $2.03B | $1.67B | $3.67M | $197.09M |
| Jun 2024 | $2.00B | $1.53B | $1.29M | $196.04M |
| Jun 2025 | $1.83B | $1.43B | $3.71M | $230.95M |
| Jun 2026 | $1.92B | $1.47B | $6.46M | $247.71M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Connecticut | $1.47B | 17 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.47B.
Similar-sized banks
First Northern Bank Of Dixon ($1.93B) · First American Bank ($1.91B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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