CHELSEA GROTON BANK

NORWICH, CT | Large | Est. Jan. 1, 1854, midnight | FDIC #18238 | RSSD #345309 | FDIC
Latest Report: 2025-12-31

CHELSEA GROTON BANK is aln large FDIC-insured commercial bank headquartered in NORWICH, CT, established in Jan. 1, 1854, midnight. As of 2025-12-31, the bank reported total assets of $1.8B and total deposits of $1.2B. Profitability stands at 0.42% ROA and 2.75% ROE, with a net interest margin of 3.71%. The bank's CET1 capital ratio is 21.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.53% and a Texas Ratio of 2.48%. FDIC Certificate #18238.

Assets

$1.8B

Deposits

$1.2B

Loans

$1.3B

Equity

$269M

Profitability

Return on Assets (ROA) 0.42%
Return on Equity (ROE) 2.75%
Net Interest Margin (NIM) 3.71%
Yield on Assets 4.73%
Cost of Funds 1.39%

Asset Quality

NPL Ratio 0.53%
Net Charge-Off Ratio 0.01%
Texas Ratio 2.48%
NPA Ratio 0.40%
ACL / Loans 0.90%

Capital & Liquidity

CET1 Ratio 21.17%
Tier 1 Capital 21.17%
Total Capital Ratio 22.08%
Leverage Ratio 15.95%
Loan-to-Deposit 112.27%

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