Fairfield County Bank
Ridgefield, Connecticut · FDIC Cert #18213
This is the FDIC profile for Fairfield County Bank, an FDIC-insured bank (Certificate #18213) with $2.0B in total assets and $1.5B in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Ridgefield, Connecticut, the bank maintains a Tier 1 capital ratio of 12.21% (Well-Capitalized) and a nonperforming loan ratio of 0.12%. BankHealthData assigns a composite Health Grade of B (78/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Fairfield County Bank (FDIC cert 18213) is a mid-sized bank with $2.0B in total assets and $1.5B in deposits, based in Ridgefield, Connecticut. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 12.21% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.12% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 23.5% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is minimal: ROA of 0.17% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Fairfield County Bank carries a composite BankHealth grade of B (78/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Fairfield County Bank
- Total Assets
- $2.0B
- Total Deposits
- $1.5B
- Tier 1 Capital Ratio
- 12.21%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.12%
- Liquidity Ratio
- 23.49%
- Return on Assets
- 0.17%
- Headquarters
- Ridgefield, Connecticut
- FDIC Certificate
- #18213
- Health Grade
- B (78/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Fairfield County Bank files quarterly Call Reports with the FDIC under Certificate #18213. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Fairfield County Bank holds a Tier 1 capital ratio of 12.21%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Fairfield County Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Fairfield County Bank shows strong financial health indicators. With $2.0B in assets and a Health Score of 78/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Fairfield County Bank Compares
Fairfield County Bank’s Health Score of 78 is 5 points above the Connecticut state average of 73 across 28 FDIC-insured banks. Its 12.21% Tier 1 capital ratio is 1.8 points below the US banking industry average near 14%. The 0.12% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.17% is below the national ROA benchmark of ~1.1%. Among 620 similarly-sized banks, the average Health Score is 78, meaning this bank ranks above its size cohort. Site-wide, Fairfield County Bank is 2 points below the portfolio average of 80.
Frequently Asked Questions
Fairfield County Bank has a Bank Health Score of B (78/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.21%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Fairfield County Bank's Tier 1 capital ratio of 12.21% and nonperforming loan ratio of 0.12% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Fairfield County Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #18213). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Fairfield County Bank holds $2.0B in total assets and $1.5B in total deposits. It is headquartered in Ridgefield, Connecticut (FDIC Certificate #18213).
Fairfield County Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #18213 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Fairfield County Bank has a Tier 1 capital ratio of 12.21%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.12%, and the return on assets is 0.17%.
Yes. Fairfield County Bank is FDIC-insured (Certificate #18213). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Fairfield County Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.