Stafford Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Stafford Savings Bank is an FDIC-insured savings bank headquartered in Stafford Springs, CT, established in 1872 (FDIC certificate 18227), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $507.0M, up 13.0% from Q2 2025, the 23rd largest of 27 banks headquartered in Connecticut. Its CET1 capital ratio was 32.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18227
- Headquarters
- Stafford Springs, CT
- Established
- 1872
- Total assets, Q2 2026
- $507.0M
- Assets vs Q2 2025
- +13.0%
- CET1 ratio, Q2 2026
- 32.01%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 211174262
- Latest call report
- Q2 2026, FFIEC 041 · Stafford Savings Bank call report
- Asset rank in state
- 23rd of 27 in Connecticut
Stafford Savings Bank, based in Stafford Springs, Connecticut, reported $507 million in assets at June 30, 2026, up 13.0% from a year earlier. It keeps 2.46 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it pays an average of 1.01% on its deposits and borrowings, lower than about 9 in 10 banks its size (median 1.80%).
Its reported earnings move with the stock market: it holds equity securities whose value runs through net income, and they gained $22 million on paper in the quarter, out of $24 million of pre-tax income. Return on assets swings accordingly, so it is not compared with peers here. Loans and deposits moved in opposite directions: over the year loans fell 0.5% and deposits rose 7.6%. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.56% of loans from 0.32% a year earlier.
As of June 30, 2026, Stafford Savings Bank reported a CET1 capital ratio of 32.01%, a return on assets of 14.14%, a nonperforming-loan ratio of 0.56% and a Texas ratio of 0.15%. The figures come from its call report filed with the FFIEC.
Stafford Savings Bank ranks as the 23rd largest of the 27 banks based in Connecticut, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.1% to $507.0M, loans rose 0.1% and deposits fell 10.4%. 1-4 family residential loans made up 93.5% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 4.4%. Its 3 offices in the FDIC Summary of Deposits are in Stafford Springs, CT. Judged on its Q2 2026 call report, Stafford Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2 Furnace Ave, Stafford Springs, CT 06076
- County
- Capitol
- Metro Area
- Hartford-West Hartford-East Hartford, CT
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 16, 1872
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $202.2M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- -$9K
- Average total assets
- $491.4M
- Average total loans
- $63.6M
- Average interest-bearing deposits
- $195.8M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- July 1, 1960
- FDIC Cert
- 18227
- Fed RSSD
- 113003
- Website
- www.staffordsavingsbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Stafford Savings Bank's total assets moved between a low of $376.7M (Q3 2023) and a high of $507.6M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$507.0M total assets against $448.8M; $258.9M total liabilities against $234.1M.
$65.4M net loans and leases against $65.7M; $202.2M total deposits against $188.0M.
$352.0M securities against $308.3M; $81.3M cash and balances due against $65.0M.
$3.5M total interest income against $3.1M; $524K total interest expense against $362K.
$2.9M net interest income against $2.7M.
$171K total noninterest income against $169K; $1.6M total noninterest expense against $1.5M.
$0 provision for credit losses against $0.
$17.4M net income against $10.4M.
14.14% return on assets against 9.59%; 2.46% net interest margin against 2.61%.
32.01% CET1 capital ratio against 32.36%; 50.61% tier 1 leverage ratio against 49.79%.
Inside the full Stafford Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeStafford Savings Bank rankings
Its closest position to the top of a national ranking is 58 of 2,134, for CET1 ratio; its furthest is 3,192 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -3.02% (Q4 2024) to 14.14% (Q2 2026) and its net interest margin ran from 2.31% (Q1 2026) to 2.61% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 32.01% | 14.14% | 0.56% | 0.15% | 2.46% |
| Q1 2026 | 32.53% | 2.48% | 0.21% | 0.06% | 2.31% |
| Q4 2025 | 32.24% | 4.11% | 0.38% | 0.11% | 2.47% |
| Q3 2025 | 32.22% | 7.43% | 0.39% | 0.11% | 2.44% |
| Q2 2025 | 32.36% | 9.59% | 0.32% | 0.10% | 2.61% |
| Q1 2025 | 32.67% | 1.14% | 0.33% | 0.10% | 2.45% |
| Q4 2024 | 32.54% | -3.02% | 0.34% | 0.11% | 2.48% |
| Q3 2024 | 32.25% | 11.19% | 0.34% | 0.11% | 2.51% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Stafford Savings Bank (main office) | Stafford Springs , CT | 06076 | $73.3M |
| Plaza Branch | Stafford Springs , CT | 06076 | $65.8M |
| Brookside Professional Center Branch | Stafford Springs , CT | 06076 | $63.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in CT, rank 42 of 46 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Stafford Savings Bank
What are Stafford Savings Bank's total assets?
As of the Q2 2026 filing, Stafford Savings Bank reported total assets of $507.0 million in its FFIEC call report.
Where is Stafford Savings Bank headquartered?
It is headquartered in Stafford Springs, CT, United States.
When was Stafford Savings Bank founded?
It was established in 1872, per the FDIC institution directory.
Is Stafford Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #18227). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Stafford Savings Bank?
Stafford Savings Bank's primary federal regulator is the FDIC.
What is Stafford Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 32.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Stafford Savings Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Stafford Savings Bank's Texas Ratio?
Its Texas Ratio is 0.15% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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