TellerScore

Headquartered in Cos Cob, Connecticut, The First Bank of Greenwich is a state-chartered bank with $812.3M in total assets and $680.7M in deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 2006.

The First Bank of Greenwich has a TellerScore of 49 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 2,650 banks with $100 million – $1 billion. Among 27 banks headquartered in Connecticut, it ranks 25th. Problem-loan coverage contributes the most (77/100, 11.3%); funding & liquidity contributes the least (26/100, 106% loans-to-deposits, 41% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.26%
Loan quality57/100
Noncurrent loans ÷ total loans: 1.30%
Earnings53/100
Return on assets (annualized): 0.82%
Funding & liquidity26/100
Loans ÷ deposits and uninsured-deposit share: 105.6% · 41.2% uninsured
Problem-loan coverage77/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 11.26%

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

From Q2 2025 to Q2 2026, the score fell 10 points (59 → 49), mostly because the loan quality component weakened by 43 points.

TellerScore
495560Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202458
Q4 202457
Q1 202557
Q2 202559
Q3 202560
Q4 202549
Q1 202654
Q2 202649
Tier 1 leverage ratio
5.00%7.13%9.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.89%
Q3 20248.81%
Q4 20248.58%
Q1 20258.43%
Q2 20258.58%
Q3 20258.94%
Q4 20259.08%
Q1 20269.25%
Q2 20269.26%
Noncurrent loans
0.00%0.65%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20251.00%
Q1 20260.79%
Q2 20261.30%
Return on assets
0.46%0.64%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.51%
Q3 20240.47%
Q4 20240.46%
Q1 20250.50%
Q2 20250.62%
Q3 20250.69%
Q4 20250.57%
Q1 20260.79%
Q2 20260.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202649$812.3M9.26%1.30%0.82%105.6%
Q1 202654$806.8M9.25%0.79%0.79%109.0%
Q4 202549$804.0M9.08%1.00%0.57%106.0%
Q3 202560$798.9M8.94%0.00%0.69%107.9%
Q2 202559$803.2M8.58%0.00%0.62%102.9%
Q1 202557$817.5M8.43%0.00%0.50%116.1%
Q4 202457$808.8M8.58%0.00%0.46%109.0%
Q3 202458$795.4M8.81%0.00%0.47%105.8%
Q2 202459$740.1M8.89%0.00%0.51%102.7%

2,650 peers · $100 million – $1 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 ratio9.26%
16th
Total risk-based capital12.34%
54th
Problem loans1.30%
22nd
Net charge-offs0.00%
68th
Return on assets0.82%
24th
Net interest margin3.02%
10th
Efficiency ratio65.7%
40th
Loans to deposits105.6%
6th
Uninsured deposits41.2%
9th
Loan-loss reserves1.08%
37th
Texas ratio11.3%
15th

Similar-size banks in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Fieldpoint Private Bank & TrustBank Greenwich, CT34 out of 100, Low$867.1M6.6%1.93%vs
Windsor Federal BankBank Windsor, CT53 out of 100, Below average$895.4M9.9%0.99%vs
DR BankBank Darien, CT79 out of 100, Strong$912.6M10.3%0.14%vs
The Milford BankBank Milford, CT63 out of 100, Moderate$652.0M9.9%0.49%vs
Essex BankBank Essex, CT72 out of 100, Strong$536.6M12.9%1.27%vs
Connecticut Community Bank, National AssociationBank Norwalk, CT75 out of 100, Strong$526.0M13.1%0.02%vs

Deposit insurance

Is my money safe at The First Bank of Greenwich?

Yes. The First Bank of Greenwich is an FDIC-insured institution (FDIC certificate #58307). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 41.2% of deposits ($280.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.26%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.34% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

The First Bank of Greenwich lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The First Bank of Greenwich reported 27 home-loan applications under HMDA (LEI 254900ZJM7YMM3MA5J75): 23 originated ($23,305,000 total), 0 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
The First Bank of Greenwich
Former names
The Bank of Greenwich
Type
State-chartered bank
FDIC certificate #
58307
RSSD ID
3466988
Primary regulator
FDIC
Holding company
First Greenwich Financial Inc
Established
December 20, 2006
Headquarters
444 E Putnam Ave, Cos Cob, CT 06807
Employees
57

Quick answers

The First Bank of Greenwich: common questions

Is The First Bank of Greenwich FDIC insured?

Yes. The First Bank of Greenwich is an FDIC-insured institution (FDIC certificate #58307). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First Bank of Greenwich's TellerScore?

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

Has The First Bank of Greenwich ever failed?

There is no failure record for FDIC certificate #58307 in the FDIC failed bank list.

How many branches does The First Bank of Greenwich have?

3 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Cos Cob

InstitutionScoreAssetsCapitalProblem loansCompare
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%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
Latvian Federal Credit UnionCredit union Melville, NY88 out of 100, Very strong$1.8M25.3%0.00%vs