🏦Bank Scorer

FAIRFIELD COUNTY BANK

RIDGEFIELD, CT · Supervised by FDIC

Est. 1871FDIC #18,213RSSD: FDIC-18213
Part ofFAIRFIELD COUNTY BANK MHC→ View all charters
Satisfactory Same

Current rating · Exam: June 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.60%

Institution Profile

FDIC BankFind

Address

150 Danbury Rd, RIDGEFIELD, CT

County

Western Connecticut County

Established

May 14, 1871

Total Assets

$1.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2023

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.9B

Total Deposits

$1.4B

Net Loans

$1.5B

Net Income

$3M

ROA

0.60%

ROE

4.69%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate10.53%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

17

Branch Deposits

$1.4B

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20249572.63%10.53%
202319985.43%5.53%
202233984.07%2.95%
202146780.73%8.57%
202078677.61%7.00%
201955370.16%10.49%
201838367.1%10.18%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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