Fairfield County Bank

Ridgefield, ConnecticutFDIC Cert #18213

STATEEstablished 187117 branches

Holding company: FAIRFIELD COUNTY BANK MHCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$248M
Investor CRE	$365M
Multifamily	$103M
Construction	$117M
1–4 family	$470M
C&I	$180M
Agriculture	$281K
Other	$2.74M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$1.49B

+7.5%y/y

Percentile by value53rd percentileby value

FDICLNLSGR

Net loans

$1.47B

+7.6%y/y

Percentile by value53rd percentileby value

FDICLNLSNET

Loans YoY

+7.63%

+393.1%y/y

Percentile by value73rd percentileby value

FDICLNLSNET

L/D

102.8%

+4.8%y/y

Percentile by value74th percentileby value

FDICLNLSNET + DEP

Loans/assets

77.7%

+0.4%y/y

Percentile by value62nd percentileby value

FDICLNLSNET + ASSET

RE loans %

88.29%

−0.4%y/y

Percentile by value27th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,138points

−4.3%y/y

Peer standing76th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

16.66%

+12.3%y/y

Percentile by value95th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

24.56%

−6.1%y/y

Percentile by value81st percentileby value

FDICLNRENROT + LNLSGR

C&I %

12.13%

+6.3%y/y

Percentile by value88th percentileby value

FDICLNCI + LNLSGR