First County Bank

117 Prospect Street
Stamford, CT 06901
203-462-4400
www.firstcountybank.com

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First County Bank has fourteen branches in Stamford, Greenwich, Darien, New Canaan, Norwalk and Westport. The Bank is a full service bank offering its customers deposit products, mortgage, trust and estate planning, and business banking services. First County Bank continues to promote the principles of providing its customers with personalized service and state-of-the-art banking to meet their changing needs.

First County Bank Routing Number: 221172212

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See Rates for: Checking | Savings | Money Market | CD | IRA

First County Bank Checking Account Rates

Apy	Min	Max	Product
0.05%	-	-	Crown Checking
0.05%	-	-	AllAccess Checking

First County Bank Savings Account Rates

Apy	Min	Max	Product
0.25%	$100k	-	First Savings
0.25%	$100k	-	First Business Savings

First County Bank Money Market Rates

Apy	Min	Max	Product
0.25%	$25k	-	First Tiered Money Market
0.25%	$25k	-	Business Money Market
0.05%	$1k	-	IRA Money Market

First County Bank CD Rates

Apy	Min	Max	Product
1.40%	$1k	-	60 Month CD
1.10%	$1k	-	48 Month CD
0.65%	$1k	-	36 Month CD
0.60%	$1k	-	30 Month Bump Rate CD
0.55%	$1k	-	18 Month Bump Rate CD
0.55%	$1k	-	24 Month CD
0.35%	$1k	-	12 Month CD
0.35%	$1k	-	14 Month Easy-Out CD
0.20%	$1k	-	6 Month CD
0.15%	$1k	-	60 Day CD
0.15%	$1k	-	91 Day CD

First County Bank IRA Rates

Apy	Min	Max	Product
1.40%	$1k	-	5 Year IRA
0.65%	$1k	-	2 1/2 Year IRA
0.35%	$1k	-	1 Year IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

First County Bank
FDIC Certificate #	18204
BankRate Report	View
Year Established	1851
Employees	218
Primary Regulator	FDIC
Assets and Liabilities
Assets	$1.31 billion
Loans	$812.43 million
Deposits	$948.36 million
Equity Capital	$107.03 million
Loan Loss Allowance	$10.69 million
Unbacked Noncurrent Loans	$18.27 million
Real Estate Owned	$2.43 million
Historic Data - September 2010
Assets	$1.31 billion
Equity Capital	$104.05 million
Loan Loss Allowance	$11.72 million
Unbacked Noncurrent Loans	$29.59 million
Real Estate Owned	$578,000
Profit Margin - Quarterly
Net Interest Margin	3.28%
Return on Assets	0.25%
Return on Equity	3.19%
Interest Income	$40.59 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 First County Bank had $20.7 million in non-current loans and owned real-estate with $117.72 million in equity and loan loss allowances on hand to cover it. This gives First County Bank a Texas Ratio of 17.58% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for First County Bank decreased slightly from 26.06% as of September 30, 2010 to 17.58% as of September 30, 2011, resulting in a positive change of 32.53%.This indicates that the balance sheet and financial strength for First County Bank has improved slightly in recent periods.
Deposit Growth
In the past year, First County Bank has increased its total deposits by $15.64 million, resulting in 1.68% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First County Bank has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First County Bank has $1.31 billion in assets with $117.72 million in equity, resulting in a capitalization level of 8.98%, which is average.

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