STAFFORD SAVINGS BANK

STAFFORD SPRINGS, CT | Small | Est. July 16, 1872, midnight | FDIC #18227 | RSSD #113003 | FDIC
Latest Report: 2025-12-31

STAFFORD SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in STAFFORD SPRINGS, CT, established in July 16, 1872, midnight. As of 2025-12-31, the bank reported total assets of $475M and total deposits of $197M. Profitability stands at 4.09% ROA and 8.46% ROE, with a net interest margin of 2.62%. The bank's CET1 capital ratio is 32.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.38% and a Texas Ratio of 0.11%. FDIC Certificate #18227.

Assets

$475M

Deposits

$197M

Loans

$67M

Equity

$228M

Profitability

Return on Assets (ROA) 4.09%
Return on Equity (ROE) 8.46%
Net Interest Margin (NIM) 2.62%
Yield on Assets 2.99%
Cost of Funds 0.83%

Asset Quality

NPL Ratio 0.38%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.11%
NPA Ratio 0.05%
ACL / Loans 1.85%

Capital & Liquidity

CET1 Ratio 32.24%
Tier 1 Capital 32.24%
Total Capital Ratio 32.42%
Leverage Ratio 49.17%
Loan-to-Deposit 34.23%

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