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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