Stafford Springs, CT · Cert 18227
SI · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
97
Asset Quality
72
Profitability
65
Liquidity
0
Efficiency
84
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.
Stafford Springs, CT · Cert 18227
SI · FDIC · 3 branches
Q2 2026
Market Position · Hartford-West Hartford-East Hartford, CT · 2026 SOD (annual) · 0.3% share · #17 of 27 inst. · $0.2B of $58.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 8.66%1 | 5.67%1 | 1.13% | 5.33%1 | 6.01%1 | 5.51%1 | 2.50%1 | 8.23%1 | +290 bps | |
| Return on Equity | 18.76% | 12.23% | 2.40% | 11.22% | 12.58% | 11.51% | 5.35% | 17.33% | +612 bps | |
| Net Interest Margin | 2.57% | 2.44% | 2.40% | 2.46% | 2.38% | 2.33% | 2.27% | 2.35% | -11 bps | |
| Efficiency Ratio | 54.00% | 53.93% | 51.11% | 51.04% | 51.59% | 53.77% | 51.19% | 50.99% | -5 bps | |
| Non-Interest Burden | 1.31% | 1.24% | 1.13% | 1.17% | 1.14% | 1.17% | 1.07% | 1.12% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.00% | 7.56% | 3.97% | 8.23% | 6.94% | 11.89% | 17.72% | 12.96% | +474 bps | |
| Loan Growth (YoY) | -3.26% | -2.41% | -0.87% | 2.34% | 3.96% | 3.66% | 1.77% | -0.52% | -286 bps | |
| Deposit Growth (YoY) | -1.97% | -0.84% | -0.18% | 2.71% | 4.02% | 8.63% | 22.37% | 7.57% | +486 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 0.34% | 0.33% | 0.32% | 0.39% | 0.38% | 0.21% | 0.56% | +24 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.00% | 0.01% | 0.00% | 0.02% | -0.05% | -0.03% | -3 bps | |
| Allowance / Loans | 1.87% | 1.85% | 1.84% | 1.79% | 1.76% | 1.85% | 1.89% | 1.86% | +7 bps | |
| Allowance Coverage of NPLs | 5.5x | 5.5x | 5.6x | 5.7x | 4.6x | 4.9x | 8.9x | 3.3x | -2.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 50.11% | 47.00% | 47.99% | 49.79% | 50.00% | 49.17% | 46.58% | 50.61% | +82 bps | |
| Total Risk-Based Capital | 32.44% | 32.73% | 32.87% | 32.54% | 32.39% | 32.42% | 32.72% | 32.18% | -37 bps | |
| Equity / Assets | 47.75% | 47.31% | 47.29% | 47.85% | 48.65% | 48.06% | 45.50% | 48.93% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 35.74% | 35.88% | 35.42% | 35.60% | 35.72% | 34.23% | 29.46% | 32.93% | -268 bps | |
| Liquid Assets / Assets | 12.49% | 14.01% | 13.56% | 13.91% | 13.79% | 14.19% | 19.99% | 15.38% | +147 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.67% | 0.80% | 1.15% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 8.06% | 0.72% | 1.06% | 1.45% | Beats 100% | 2 / 746 | ||
| Return on Equity | 16.48% | 6.74% | 10.51% | 13.63% | Beats 90% | 76 / 746 | ||
| Net Interest Margin | 2.35% | 3.17% | 3.68% | 4.16% | Beats 5% | 712 / 746 | ||
| Efficiency Ratio | 50.99% | 55.74% | 64.58% | 75.47% | Beats 84% | 119 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.56% | 0.09% | 0.42% | 1.07% | Beats 44% | 418 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 32.01% | 11.55% | 13.75% | 17.60% | Beats 96% | 31 / 746 | ||
| Total Risk-Based Capital Ratio | 32.18% | 11.71% | 14.33% | 18.43% | Beats 96% | 33 / 746 | ||
| Equity / Assets | 48.93% | 8.90% | 10.51% | 13.06% | Beats 100% | 3 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 32.93% | 61.31% | 78.27% | 90.78% | 3rd pctl | 726 / 746 | ||
| Loans / Assets | 13.13% | 53.60% | 66.97% | 76.08% | 1st pctl | 740 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||