Total Assets
$2.3B
Total balance-sheet footings
FDIC Cert #18204 · Stamford, Connecticut · Est. 1851
First County Bank - FDIC Bank Health Profile
A community-scale look at First County Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.3B
- Total assets
- C
- Health grade · Fair
- 0.22%
- Return on assets
- 13.3%
- Tier 1 capital
Data updated July 2026
The verdict
First County Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 13.32% Tier 1, 0.22% ROA, 88% efficiency ratio.
- #531
- largest of 4,313 FDIC banks by assets
- 88th
- percentile by asset size, nationally
- 13.32%
- Tier 1 ratio - above the 10% well-capitalized line
- 9th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First County Bank's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First County Bank's composite health score
Tier 1 Capital Ratio (13.32%) 35/40
Return on Assets (ROA) (0.22%) 7/25
Texas Ratio (1.27%) 20/20
Efficiency Ratio (88.19%) 0/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.8B
Customer-funded liabilities
Net Loans
$1.7B
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First County Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First County Bank's score of 62/100 falls in the highlighted band.
First County Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First County Bank's $2.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.32% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.32%
Texas Ratio
1.27%
Equity Capital
$183M
Profitability metrics
Return on Assets (ROA)
9th percentile nationally
0.22%
Return on Equity (ROE)
2.90%
Efficiency Ratio
88.19%
What the numbers say about First County Bank
First County Bank is an FDIC-insured institution (Certificate #18204) headquartered in Stamford, Connecticut, established in 1851. It holds $2.3B in total assets - 531st of 4,313 FDIC-insured banks, $1.8B in customer deposits, and $1.7B in net loans. On safety, its Tier 1 capital ratio of 13.32% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.27% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (62/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Connecticut, First County Bank ranks 6th of 28 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$98M
Interest Income
$10M
Non-Interest Income
$48M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First County Bank reports a Texas Ratio of 1.27% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.27% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Connecticut by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First County Bank (FDIC Cert #18204) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Connecticut
All Connecticut banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Webster Bank, National AssociationStamford | $84.0B | A | 1.26% |
| Liberty BankMiddletown | $9.0B | B | 0.99% |
| Bankwell BankNew Canaan | $3.4B | A | 1.27% |
| Union Savings BankDanbury | $3.3B | B | 0.61% |
| Ion BankNaugatuck | $2.7B | B | 0.79% |
| Fairfield County BankRidgefield | $1.9B | C | 0.46% |
| Thomaston Savings BankThomaston | $1.9B | B | 0.78% |
| Newtown Savings BankNewtown | $1.9B | B | 0.85% |
Frequently asked questions
What is First County Bank's health grade?▼
First County Bank receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First County Bank?▼
First County Bank holds $2.3B in total assets and $1.8B in deposits, ranking 531st of 4,313 FDIC-insured banks by asset size. It is headquartered in Stamford, Connecticut.
Is my money safe at First County Bank?▼
Yes, deposits at First County Bank (Certificate #18204) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First County Bank's Tier 1 Capital Ratio?▼
First County Bank has a Tier 1 Capital Ratio of 13.32%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First County Bank?▼
First County Bank has a Texas Ratio of 1.27%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First County Bank?▼
First County Bank has an Efficiency Ratio of 88.19%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First County Bank's profile as a depositor or analyst.
- First County Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First County Bank against other Connecticut banks before moving funds. Connecticut banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.