Fieldpoint Private B&T
Greenwich, Connecticut · FDIC Cert #58741
Fieldpoint Private B&T is an FDIC-insured bank (Certificate #58741) with $1.4B in total assets and $915M in total deposits as of the Q2 2024 Call Report. Headquartered in Greenwich, Connecticut, the bank maintains a Tier 1 capital ratio of 9.37% (Well-Capitalized) and a nonperforming loan ratio of 0.27%. BankHealthData assigns a composite Health Grade of B (69/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Fieldpoint Private B&T (FDIC cert 58741) is a mid-sized bank with $1.4B in total assets and $915M in deposits, based in Greenwich, Connecticut. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 9.37% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.27% 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 comfortable: 25.9% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is negative: ROA of -1.58% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Fieldpoint Private B&T carries a composite BankHealth grade of B (69/100) 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: Fieldpoint Private B&T
- Total Assets
- $1.4B
- Total Deposits
- $915M
- Tier 1 Capital Ratio
- 9.37%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.27%
- Liquidity Ratio
- 25.86%
- Return on Assets
- -1.58%
- Headquarters
- Greenwich, Connecticut
- FDIC Certificate
- #58741
- Health Grade
- B (69/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Fieldpoint Private B&T holds a Tier 1 capital ratio of 9.37%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Fieldpoint Private B&T has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Fieldpoint Private B&T shows strong financial health indicators. With $1.4B in assets and a Health Score of 69/100, 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 Fieldpoint Private B&T Compares
Fieldpoint Private B&T’s Health Score of 69 is 5 points above the Connecticut state average of 64 across 28 FDIC-insured banks. Its 9.37% Tier 1 capital ratio is 4.6 points below the US banking industry average near 14%. The 0.27% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of -1.58% is below the national ROA benchmark of ~1.1%. Among 827 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, Fieldpoint Private B&T is 1 points below the portfolio average of 70.
Frequently Asked Questions
Fieldpoint Private B&T has a Bank Health Score of B (69/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 9.37%, 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. Fieldpoint Private B&T's Tier 1 capital ratio of 9.37% and nonperforming loan ratio of 0.27% 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 Fieldpoint Private B&T is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #58741). 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.
Fieldpoint Private B&T holds $1.4B in total assets and $915M in total deposits. It is headquartered in Greenwich, Connecticut (FDIC Certificate #58741).
Fieldpoint Private B&T has a Tier 1 capital ratio of 9.37%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.27%, and the return on assets is -1.58%.
Yes. Fieldpoint Private B&T is FDIC-insured (Certificate #58741). 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%).
Fieldpoint Private B&T'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.