Fairfield County Bank: how it compares with its peers
Against 13 CT banks with half to twice its assets, Fairfield County Bank's strongest measure in Q2 2026 is net interest margin (3.56% vs. a 3.34% peer median). Its weakest relative measure is return on assets (0.68% vs. 0.93%).
| Measure | Fairfield County Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.68% | 0.93% | Bottom third Ahead of 23% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.56% | 3.34% | Top third Ahead of 77% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.31% | 69.65% | Bottom third Ahead of 31% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.4M | $8.5M | Top third Ahead of 77% of peers |
| Loans to deposits Net loans and leases over total deposits. | 101.09% | 96.36% | Context |
What it means for lending operations
Its efficiency ratio of 75.31% is above the 69.65% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Thomaston Savings Bank Thomaston, CT · $1.93B
- Newtown Savings Bank Newtown, CT · $1.87B
- Chelsea Groton Bank Groton, CT · $1.75B
- Ives Bank Danbury, CT · $1.73B
- Ascend Bank Guilford, CT · $1.49B
- First County Bank Stamford, CT · $2.42B
Questions about Fairfield County Bank
How big is Fairfield County Bank?
Fairfield County Bank, established in 1871, is headquartered in Ridgefield, CT. It reported $1.92B in total assets in its Q2 2026 FDIC call report and operates 17 offices.
What is Fairfield County Bank's return on assets?
0.68% annualized in Q2 2026, against a 0.93% median for 13 CT banks with half to twice its assets, ahead of 23% of them.
What is Fairfield County Bank's efficiency ratio?
75.31% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 69.65%, and lower is better.
Is Fairfield County Bank growing its loans?
Net loans grew 8.3% over the year to Q2 2026, while deposits grew 2.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CT banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Connecticut bank ranked.