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
Unfavorable gap of $5.5M · efficiency ratio beats 84% of banks under $1B in assets operating in a single state | 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 |