Stafford Savings Bank vs Chelsea Groton Bank
Side-by-side bank health comparison using FDIC financial data
Verdict
Stafford Savings Bank has a stronger Bank Health Score of 97/100 (A) compared to Chelsea Groton Bank at 91/100 (A), a difference of 6 points. Stafford Savings Bank holds a Tier 1 capital ratio of 32.48% and an NPL ratio of 0.45%.
| Metric | Stafford Savings Bank | Chelsea Groton Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 97/100 (A)* | 91/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 32.5%* | 19.9% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.5% | 0.2%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 82.2%* | 23.2% |
| Return on Assets Profitability metric (above 1% is strong) | 10.1%* | 1.7% |
| Total Assets | $415M | $1.7B |
| Total Deposits | $183M | $1.2B |
| Location | Stafford Springs, Connecticut | Groton, Connecticut |
Stafford Savings Bank has a stronger Bank Health Score of 97/100 (A) compared to Chelsea Groton Bank at 91/100 (A), a difference of 6 points. Stafford Savings Bank holds a Tier 1 capital ratio of 32.48% and an NPL ratio of 0.45%.