Fairfield County Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (8.6). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Weak (3.0) profitability.
Asset Mix:
Comm re (32%), home mtgs (24%), securities (12%), comm loans (9%), cash (5%), other (18%)
States with Branches:
CT
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Fairfield County Bank, MHC
Investment Rating
--
Address
150 Danbury Road
Ridgefield, CT 06877
Ridgefield, CT 06877
Phone Number
(203) 431-7431
Year Founded
1871
FDIC Number
Largest Affiliates
No affiliate information available.