Chelsea Groton Bank Safety Rating
Chelsea Groton Bank's safety rating is grade A, a Bank Health Score of 91/100 built from FDIC call report data. That ranks #631 out of 3,960 FDIC-insured banks nationally (top 16%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Chelsea Groton Bank's best component is Tier 1 capital (100/100) and its weakest is liquidity (73/100).
This page answers a common banking-safety question: Chelsea Groton Bank Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Chelsea Groton Bank Safety Rating Breakdown
- Overall rating
- Grade A (91/100)
- National rank
- #631 of 3,960
- Tier 1 capital (35%)
- 100/100
- Loan quality (30%)
- 96/100
- Liquidity (25%)
- 73/100
- Profitability (10%)
- 88/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Chelsea Groton Bank among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 16% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 19.90% | 100/100 |
| Nonperforming Loan Ratio | 0.19% | 96/100 |
| Liquidity Ratio | 23.18% | 73/100 |
| Return on Assets | 1.69% | 88/100 |
| Total Assets | $1.7B | |
How does Chelsea Groton Bank compare?
With a Bank Health Score of 91/100, Chelsea Groton Bank sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within Connecticut, where 28 FDIC-insured banks are headquartered, Chelsea Groton Bank ranks above the state average of 64/100 (Grade C).
The bank's Tier 1 capital ratio of 19.90% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.19% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Chelsea Groton Bank's Bank Health Score held roughly steady at 91/100. Tier 1 capital strengthened by 0.52 percentage points to 19.90%. Quarter-over-quarter, the score fell by 1.0 points.
Frequently Asked Questions
Chelsea Groton Bank's safety rating is grade A, a Bank Health Score of 91/100 built from FDIC call report data. That ranks #631 out of 3,960 FDIC-insured banks nationally (top 16%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Chelsea Groton Bank's best component is Tier 1 capital (100/100) and its weakest is liquidity (73/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Chelsea Groton Bank: Tier 1 capital scores 100/100, loan quality 96/100, liquidity 73/100, and profitability 88/100 — combining to 91/100 (grade A).
Chelsea Groton Bank's Bank Health Score of 91/100 is 27.0 points above the Connecticut state average of 64/100. 28 FDIC-insured banks are headquartered in Connecticut.
Yes. Chelsea Groton Bank (FDIC certificate #18238) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Chelsea Groton Bank
Chelsea Groton Bank's safety rating is grade A, a Bank Health Score of 91/100 built from FDIC call report data. That ranks #631 out of 3,960 FDIC-insured banks nationally (top 16%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Chelsea Groton Bank's best component is Tier 1 capital (100/100) and its weakest is liquidity (73/100).