# FIRST BANK OF GREENWICH
COS COB, CT · FDIC certificate 58307 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $812.3M | |
| Deposits | $680.7M | |
| Loans and leases | $726.5M | |
| Total equity | $75.7M | |
| Loans / deposits | 105.58% (p94 of band) | 82.04% |
| Liquid assets / assets | 7.31% (p2 of band) | |
| Uninsured deposits / deposits | 41.25% (p89 of band) | 25.97% |
| Brokered deposits | 13.54% | |
| Wholesale funding | 19.70% (p93 of band) | |
| FHLB advances / assets | 6.16% | |
| Tier 1 leverage | 9.26% (p17 of band) | 10.81% |
| Unrealized securities loss / equity | -0.18% (p94 of band) | -8.10% |
| AOCI / equity | 0.02% (p81 of band) | |
| ROA (annualized) | 0.82% (p22 of band) | 1.28% |
| Net interest margin | 3.02% (p10 of band) | 3.91% |
| Efficiency ratio | 65.69% (p63 of band) | |
| Noncurrent loans | 1.30% (p79 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 83.62% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 46.54% (p53 of band) | |
| Auto loans | $19,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.9% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 6 | loans exceed deposits, uninsured deposits leaving |  |
| 2012-12 | 3 | wholesale funding >15% | expense ratio p90, capital falling, loans exceed deposits, uninsured deposits leaving |
| 2013-03 | 4 | loans exceed deposits |  |
| 2013-06 | 3 | capital falling | losing money, wholesale funding >15% |
| 2013-09 | 3 | liquid assets <10% | capital falling |
| 2013-12 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 3 | loans exceed deposits, wholesale funding >15% |  |
| 2015-03 | 5 | liquid assets <10%, capital falling |  |
| 2015-06 | 3 |  | wholesale funding >15%, liquid assets <10% |
| 2015-09 | 3 |  |  |
| 2015-12 | 5 | liquid assets <10%, noncurrent p90 |  |
| 2016-03 | 5 | charge-offs p90 | liquid assets <10% |
| 2016-06 | 4 |  | charge-offs p90 |
| 2016-09 | 3 |  | noncurrent p90 |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 | liquid assets <10% | capital falling |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | wholesale funding >15%, capital falling | reserve under noncurrent |
| 2017-12 | 5 | construction >100% equity |  |
| 2018-03 | 4 |  | construction >100% equity |
| 2018-06 | 4 |  |  |
| 2018-09 | 3 |  | capital falling |
| 2018-12 | 2 |  | liquid assets <10% |
| 2019-03 | 3 | brokered >10% |  |
| 2019-06 | 2 | capital falling | loans exceed deposits, brokered >10% |
| 2019-09 | 3 | loans exceed deposits |  |
| 2019-12 | 2 | liquid assets <10% | wholesale funding >15%, capital falling |
| 2020-03 | 2 | wholesale funding >15% | liquid assets <10% |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 1 |  | loans exceed deposits |
| 2022-03 | 2 | loans exceed deposits |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 | liquid assets <10% | wholesale funding >15% |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | brokered >10%, wholesale funding >15% | loans exceed deposits, liquid assets <10% |
| 2023-06 | 2 | capital falling | wholesale funding >15% |
| 2023-09 | 2 | loans exceed deposits, wholesale funding >15% | brokered >10%, capital falling |
| 2023-12 | 3 | brokered >10% |  |
| 2024-03 | 5 | capital falling, NIM <2.5% |  |
| 2024-06 | 5 | liquid assets <10% | capital falling |
| 2024-09 | 4 |  | liquid assets <10% |
| 2024-12 | 6 | liquid assets <10%, capital falling |  |
| 2025-03 | 6 |  |  |
| 2025-06 | 4 |  | NIM <2.5%, capital falling |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 5 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-04 [The First Bank of Greenwich celebrates artist Jodi DeCrenza at the Bruce - The Greenwich Sentinel](https://news.google.com/rss/articles/CBMiugFBVV95cUxPS0pGMTZPMksxLXZqME1idlVndVJjX0VHcGJIRWRVZmtzNlpOMHVBMHlhcFp1M3hTMDdTY2l0a2FHakdJQlF1SFY4MWlHMmYwNlpwa29tQ1BoVEJJeVdNWWpadTZYbllhS1BIcEROMmluVEpKWVhGRWlXeFZ0OVJFRFdETThLNXJ1TndXLU1iRm53TGtYTVp1SldtOXAzRnBmN2Q4N3NEY1FUZnhwOVUwcUlJNnZ6aVFtMVE?oc=5) · The Greenwich Sentinel
- 2025-12-05 [Spread Holiday Cheer with the 2025 Abilis Holiday Gift Drive! - CT Examiner](https://news.google.com/rss/articles/CBMipAFBVV95cUxOOWlzQk9iWUZsT1J0R0RaUlM1eW9SQkNxcjlLX3ZQTkhzZUlRT19GSzBBZ3JzYnpLb0c2UVJacnhVSXFwb0xxMHVfTjQ0cmwtWmJ4MEF2MWY4NVpaRHhDMHV6REJ2eGNQS0Zrc0RXNUVkby12VEVHVmYteVRvV1lQdXNKV0JmQkNkdnhDSWRNdW1vWlpyY0pDbW5tQ0UxYUV1SklBNg?oc=5) · CT Examiner
- 2020-09-29 [The Face of Commercial and Residential Lending - Westchester Magazine](https://news.google.com/rss/articles/CBMikAFBVV95cUxQZVlCNGlWQXMxdUhRRzJPczZfU2JCa2tTUUhCbVNQQ1RiWW00aTNfN3BFWDNvOVBTWHdpNUhMaWwybExwV2VlVEw1UUtsZThoNnlDbFJSSmctQ09SQnVseGUwdTA0dnpISW1peGJzdnRhRXlhTjRaRjFKOHV3cjMyWkxMOTdvRHdOMTdYX0FWUTQ?oc=5) · Westchester Magazine
- 2017-03-17 [First Bank of Greenwich grows Stamford account with downtown branch - Stamford Advocate](https://news.google.com/rss/articles/CBMirgFBVV95cUxQd0p5d0k5aEphOVI3dXBzenI1QUphYWhkaGhiZF9CU0RqUVg0ZU5KbHBzZFNsWG9pN3ZaWVRxNjQwVVk0MktOYXkzejJ0bGtob1BGcGphTW1PWi1iRXAyNjUyZkJhVE02Z0oyWGhMSDJNek9ac21HQ2U2RWNCdnNNY3IwOS0ydkJIaUtlZGZxaUxETzZGTENnZzRZc2o2R2dTZDd3aEM1SXNpVm9PZUE?oc=5) · Stamford Advocate
- 2024-05-17 [The First Bank of Greenwich B2B event a grand community celebration - The Greenwich Sentinel](https://news.google.com/rss/articles/CBMiswFBVV95cUxPM3Z2cUdrTjhHR05IRTVFUVpKTk1iU3FBdlkwMkdCajVTYXRWVXNBNENKS3Q3QUN4Z0xJd2ZuTF9xTDZjOWhyNGtSY1ZzQW1hb2F4MTFiQ1dnU0owVTU0T3gtYjQ2TFF2T0g0eTRHajVWZ3pPV1NVbFBsV192dEJiMVlaOTZmc3VDdnVxX3JlQWNoVU5mMTg2RnJxcFFCeW9jdmloUTY0NTYtc1Q5ZnZaSlJsYw?oc=5) · The Greenwich Sentinel
- 2011-04-22 [Ex-New Haven banker lands at Greenwich lender - hartfordbusiness.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxORmpJODgzMGNPbTd4Ykp0eGpqN2xsRDVXZk5mUHF6Ni15aDZ1cmd3YThPMi1ad1hjai1tTUV0WGYyRmJzWE81OXhHY2VQcHRYUE42MDRjVnRDM0U3TEptZXZJVUNVeURMQktWMDdmNVdiTFhhQ05XeXlTeHFuZ3dDZXRROVBFTUlLVEdV?oc=5) · hartfordbusiness.com
- 2023-01-17 [Greenwich Woman Accused Of Depositing Fraudulent Check - Patch](https://news.google.com/rss/articles/CBMilgFBVV95cUxNUDNyYUw5azFQZzdIdE0wTnVhT2JoeVZBeGR2Q1g1WkVpT2dWZXdvTWgwTkx1a0xMR1l6QWZnRXlpUUxiaW8xUlFXYWJjY2RJdjU3Tl9mX1pxRVc3N1hONkhSUnJfMDZqcVBGQ2pzbzQyWGc0TUFkRU9rVF9hckxtZGRFUmNqMVR6MWZLR2hpZFNXODYyQnc?oc=5) · Patch
- 2023-01-23 [Bank on It - Westchester Magazine](https://news.google.com/rss/articles/CBMickFVX3lxTFBfZUhYNVVPeUl0dVd5VnhRSUFtQUxhQkRlQmlGbGtZeGNKWC1rdHJ3U2VpcDJWNThzV1c5cWFXZ190VldoSXBHU0RqSHJ6QkQ2RldDS3d3TmFHVW95cDNMcnF4X29vUHB0MkV0N1VHdnZYUdIBekFVX3lxTE9vVFUzbU1PSkk4dnE0aDVRVzNTOFRMdnNnTk9RM0dsNnAzNUQ2QnpaODlpVE9TQzNBNzM0N2RKcXRHQXBHb3hTaWxBcmdQQWswajJvbFNGbEx2NHdBTm5iLU5veFJ4NERkbm95QXgtOE44Q1lfVmRZV05B?oc=5) · Westchester Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58307 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/3.json (key "58307", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide