Is Chelsea Groton Bank Safe?
Chelsea Groton Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (73/100).
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.
Chelsea Groton Bank has a Bank Health Score of 91/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (73/100).