🏦Bank Scorer

FIRST COUNTY BANK

STAMFORD, CT · Supervised by FDIC

Est. 1851FDIC #18,204RSSD: FDIC-18204
Satisfactory Same

Current rating · Exam: December 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.24%

Institution Profile

FDIC BankFind

Address

117 Prospect St, STAMFORD, CT

County

Western Connecticut County

Established

June 20, 1851

Total Assets

$2.4B(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

December 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.4B

Total Deposits

$1.8B

Net Loans

$1.8B

Net Income

$1M

ROA

0.24%

Below avg for Community banks. Peer avg: 0.90%

ROE

3.07%

Risk-Based Capital

13.80%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA0.24%Peer avg: 0.90%▼ Below avg
Risk-Based Capital13.80%Peer avg: 12.91%▲ Above avg
Mortgage Denial Rate12.98%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

13

Branch Deposits

$1.8B

1-Year Change

0

5-year net change: -4 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202313164.89%12.98%
202245681.36%11.40%
202153979.41%10.20%

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

Exam DateRatingExam Type
Dec 2025SatisfactoryLarge Bank
Nov 2022SatisfactoryLarge Bank
Feb 2019SatisfactoryLarge Bank

10 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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