TellerScore

Fairfield County Bank (FDIC certificate #18213) is based in Ridgefield, Connecticut. Its Q2 2026 call report shows $1.9B in total assets and $1.5B in deposits and 17 offices.

Fairfield County Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 897 banks with $1 billion – $10 billion. Among 27 banks headquartered in Connecticut, it ranks 6th. Problem-loan coverage contributes the most (99/100, 0.3%); funding & liquidity contributes the least (27/100, 101% loans-to-deposits, 44% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion93/100
Tier 1 leverage ratio: 14.32%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.05%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity27/100
Loans ÷ deposits and uninsured-deposit share: 101.1% · 44.1% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.25%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 76).

TellerScore
667176Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202467
Q3 202466
Q4 202471
Q1 202574
Q2 202575
Q3 202575
Q4 202574
Q1 202675
Q2 202676
Tier 1 leverage ratio
5.00%9.68%14.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.21%
Q3 202412.52%
Q4 202413.29%
Q1 202514.29%
Q2 202514.29%
Q3 202514.36%
Q4 202514.36%
Q1 202614.27%
Q2 202614.32%
Noncurrent loans
0.05%0.18%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.12%
Q3 20240.32%
Q4 20240.08%
Q1 20250.13%
Q2 20250.05%
Q3 20250.09%
Q4 20250.07%
Q1 20260.10%
Q2 20260.05%
Return on assets
0.13%0.40%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.13%
Q3 20240.17%
Q4 20240.29%
Q1 20250.41%
Q2 20250.42%
Q3 20250.45%
Q4 20250.46%
Q1 20260.60%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$1.9B14.32%0.05%0.68%101.1%
Q1 202675$1.9B14.27%0.10%0.60%102.8%
Q4 202574$1.9B14.36%0.07%0.46%104.8%
Q3 202575$1.9B14.36%0.09%0.45%97.7%
Q2 202575$1.8B14.29%0.05%0.42%95.9%
Q1 202574$1.8B14.29%0.13%0.41%98.1%
Q4 202471$1.8B13.29%0.08%0.29%99.1%
Q3 202466$1.9B12.52%0.32%0.17%92.3%
Q2 202467$2.0B12.21%0.12%0.13%90.5%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.32%
91st
Total risk-based capital0.00%
13th
Problem loans0.05%
92nd
Net charge-offs-0.00%
90th
Return on assets0.68%
14th
Net interest margin3.56%
41st
Efficiency ratio75.3%
12th
Loans to deposits101.1%
12th
Uninsured deposits44.1%
19th
Loan-loss reserves1.23%
62nd
Texas ratio0.3%
93rd

Similar-size banks in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Thomaston Savings BankBank Thomaston, CT68 out of 100, Moderate$1.9B10.7%0.65%vs
Newtown Savings BankBank Newtown, CT65 out of 100, Moderate$1.9B9.5%0.37%vs
Chelsea Groton BankBank Groton, CT82 out of 100, Strong$1.8B16.7%0.48%vs
Ives BankBank Danbury, CT67 out of 100, Moderate$1.7B13.9%1.41%vs
Ascend BankBank Guilford, CT66 out of 100, Moderate$1.5B9.7%0.50%vs
First County BankBank Stamford, CT61 out of 100, Moderate$2.4B9.6%0.24%vs

Deposit insurance

Is my money safe at Fairfield County Bank?

Yes. Fairfield County Bank is an FDIC-insured institution (FDIC certificate #18213). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 44.1% of deposits ($648.0M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.32%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

17 locations

Branches

Fairfield County Bank lists 17 offices in 10 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Fairfield County Bank reported 130 home-loan applications under HMDA (LEI U9WBLC3ZT2VBJSNY2Y81): 113 originated ($89,845,000 total), 5 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Fairfield County Bank
Former names
Ridgefield Savings Bank; Ridgefield Bank; Fairfield County Bank Corp.
Type
SI
FDIC certificate #
18213
RSSD ID
882701
Primary regulator
FDIC
Holding company
Fairfield County Bank Mhc
Established
May 14, 1871
Headquarters
150 Danbury Rd, Ridgefield, CT 06877
Employees
205

Quick answers

Fairfield County Bank: common questions

Is Fairfield County Bank FDIC insured?

Yes. Fairfield County Bank is an FDIC-insured institution (FDIC certificate #18213). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Fairfield County Bank's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Fairfield County Bank ever failed?

There is no failure record for FDIC certificate #18213 in the FDIC failed bank list.

How many branches does Fairfield County Bank have?

17 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Ridgefield

InstitutionScoreAssetsCapitalProblem loansCompare
Waterbury Connecticut Teachers Federal Credit UnionCredit union Waterbury, CT91 out of 100, Very strong$365.2M17.1%0.26%vs
Gha Federal Credit UnionCredit union Greenwich, CT91 out of 100, Very strong$29.7M17.5%0.56%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT89 out of 100, Very strong$32.6M14.5%0.87%vs
Bridgeport Police Federal Credit UnionCredit union Bridgeport, CT86 out of 100, Very strong$29.6M18.7%1.65%vs
Sikorsky Financial Credit UnionCredit union Stratford, CT84 out of 100, Strong$1.5B12.9%0.25%vs