BanksCHELSEA GROTON BANK

CHELSEA GROTON BANK

NORWICH, CTLargeEst. Jan. 1, 1854, midnightFDIC #18238RSSD #345309FDIC
Latest · 2025-12-31

CHELSEA GROTON BANK is an 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%. CET1 capital ratio: 21.17%, well above regulatory minimums. NPL ratio: 0.53% · Texas Ratio: 2.48%. Operates 14 domestic branches.

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 Margin3.71%
Yield on Assets4.73%
Cost of Funds1.14%

Asset Quality

NPL Ratio0.53%
Net Charge-Off Ratio0.01%
Texas Ratio2.48%
NPA Ratio0.40%
ACL / Loans0.90%

Capital & Liquidity

CET1 Ratio21.17%
Tier 1 Capital21.17%
Total Capital Ratio22.08%
Leverage Ratio15.95%
Loan-to-Deposit112.27%

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