Chelsea Groton Bank vs Connecticut Cmty Bank NA
Side-by-side bank health comparison using FDIC financial data
Chelsea Groton Bank (A) and Connecticut Cmty Bank NA (A) are close on the BankHealth rubric. Asset bases: $1.7B versus $550M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Chelsea Groton Bank has a stronger Bank Health Score of 91/100 (A) compared to Connecticut Cmty Bank NA at 84/100 (A), a difference of 7 points. Chelsea Groton Bank holds a Tier 1 capital ratio of 19.9% and an NPL ratio of 0.19%.
| Metric | Chelsea Groton Bank | Connecticut Cmty Bank NA |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 91/100 (A)* | 84/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 19.9%* | 12.4% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.2%* | 0.9% |
| Liquidity Ratio Cash and liquid assets vs obligations | 23.2% | 38.1%* |
| Return on Assets Profitability metric (above 1% is strong) | 1.7%* | 1.0% |
| Total Assets | $1.7B | $550M |
| Total Deposits | $1.2B | $470M |
| Location | Groton, Connecticut | Norwalk, Connecticut |
Chelsea Groton Bank has a stronger Bank Health Score of 91/100 (A) compared to Connecticut Cmty Bank NA at 84/100 (A), a difference of 7 points. Chelsea Groton Bank holds a Tier 1 capital ratio of 19.9% and an NPL ratio of 0.19%.