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Stafford Savings Bank

Stafford Springs, CT · Cert 18227

SI · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

97

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

84

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Stafford Savings Bank

Stafford Springs, CT · Cert 18227

SI · FDIC · 3 branches

Q2 2026

$507.0MAssets
$66.6MLoans
$202.3MDeposits
$248.1MEquity
Loan mix
98%RE $65.0M0%C&I $0.0M2%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $192.2M5%Noninterest $10.0MQ2 2025Q2 2026

NIM

2.86%Q2 ’242.77%Q2 ’252.77%Q2 ’26-5%-4%

Non-interest income vs. expense

1.46%Q2 ’241.34%Q2 ’251.28%Q2 ’26-10%-4%

Market Position · Hartford-West Hartford-East Hartford, CT · 2026 SOD (annual) · 0.3% share · #17 of 27 inst. · $0.2B of $58.8B

Executive Summary

  • Earnings: ROA of 8.23%, up 290 bps year over year; NIM at 2.35%.
  • Asset quality: problem loans at 0.56% of loans (+24 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 50.61%, up 82 bps from a year ago.
  • Funding: loans stand at 32.93% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

8.23%1+290 bps YoY

Net Interest Margin (YTD, annualized)

2.35%-11 bps YoY

Efficiency Ratio (YTD, annualized)

50.99%-5 bps YoY

Tier 1 Leverage Ratio

50.61%+82 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets5.33%16.01%15.51%12.50%18.23%1+290 bps
Return on Equity11.22%12.58%11.51%5.35%17.33%+612 bps
Net Interest Margin2.46%2.38%2.33%2.27%2.35%-11 bps
Efficiency Ratio51.04%51.59%53.77%51.19%50.99%-5 bps
Non-Interest Burden1.17%1.14%1.17%1.07%1.12%-5 bps
Growth
Asset Growth (YoY)8.23%6.94%11.89%17.72%12.96%+474 bps
Loan Growth (YoY)2.34%3.96%3.66%1.77%-0.52%-286 bps
Deposit Growth (YoY)2.71%4.02%8.63%22.37%7.57%+486 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.39%0.38%0.21%0.56%+24 bps
Net Charge-Offs / Loans0.01%0.00%0.02%-0.05%-0.03%-3 bps
Allowance / Loans1.79%1.76%1.85%1.89%1.86%+7 bps
Allowance Coverage of NPLs5.7x4.6x4.9x8.9x3.3x-2.3x
Capital
Tier 1 Leverage Ratio49.79%50.00%49.17%46.58%50.61%+82 bps
Total Risk-Based Capital32.54%32.39%32.42%32.72%32.18%-37 bps
Equity / Assets47.85%48.65%48.06%45.50%48.93%+108 bps
Liquidity & Funding
Loans / Deposits35.60%35.72%34.23%29.46%32.93%-268 bps
Liquid Assets / Assets13.91%13.79%14.19%19.99%15.38%+147 bps
CRE / Total Capitaln/a0.67%0.80%1.15%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it. 1 One-time gains made up most of net income in the marked periods. Year to date through Q2 2026, gains on securities were $24.7M before tax, about $18.0M after an assumed 27% tax, or 88% of net income. Excluding them, ROA would be much lower. Source: Call Report Schedule RI, items 6.a, 6.b and 8.b.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Stafford Savings Bank

Stafford Springs, CT · Cert 18227 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SI · FDIC · 3 branches

Q2 2026

$507.0MAssets
$66.6MLoans
$202.3MDeposits
$248.1MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 100% of banks under $1B in assets operating in a single state (rank 2 of 746).
  • Widest gap: net interest margin trails 95% of banks under $1B in assets operating in a single state (rank 712 of 746).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

8.06%

Rank 2 of 746

Net Interest Margin

2.35%

Rank 712 of 746

Efficiency Ratio

50.99%

Rank 119 of 746

Equity / Assets

48.93%

Rank 3 of 746

Non-interest income vs. expense

$0.8M$6.3MINCOMEEXPENSE
Unfavorable gap of $5.5M · efficiency ratio beats 84% of banks under $1B in assets operating in a single state
Bank 50.99%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets8.06%0.72%1.06%1.45%Beats 100%2 / 746
Return on Equity16.48%6.74%10.51%13.63%Beats 90%76 / 746
Net Interest Margin2.35%3.17%3.68%4.16%Beats 5%712 / 746
Efficiency Ratio50.99%55.74%64.58%75.47%Beats 84%119 / 746
Asset Quality
Nonperforming Loans / Loans0.56%0.09%0.42%1.07%Beats 44%418 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio32.01%11.55%13.75%17.60%Beats 96%31 / 746
Total Risk-Based Capital Ratio32.18%11.71%14.33%18.43%Beats 96%33 / 746
Equity / Assets48.93%8.90%10.51%13.06%Beats 100%3 / 746
Liquidity & Funding
Loans / Deposits32.93%61.31%78.27%90.78%3rd pctl726 / 746
Loans / Assets13.13%53.60%66.97%76.08%1st pctl740 / 746
Brokered Deposits / Depositsn/aNot reported for this institution