Stafford Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Stafford Savings Bank of Stafford Springs, CT against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 14.14% | 1.34% | +12.80% | 100th top |
| ROAE | 29.00% | 13.32% | +15.68% | 97th top |
| Net Interest Margin | 2.46% | 3.93% | -1.47% | 3rd bottom |
| Efficiency Ratio | 50.80% | 61.14% | -10.34% | 79th top |
| PPNR / Avg Assets | 1.25% | 1.68% | -0.43% | 31st below |
| Yield on Earning Assets | 2.90% | 5.67% | -2.77% | 0th bottom |
| Cost of Funds | 1.01% | 1.88% | -0.87% | 91st top |
| Net Interest Spread | 1.87% | 3.32% | -1.45% | 3rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.56% | 0.94% | -0.38% | 43rd below |
| NPA / Total Assets | 0.07% | 0.70% | -0.63% | 74th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.86% | 1.28% | +0.58% | 91st top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 332.80% | 1546.77% | -1213.97% | 62nd above |
| Texas Ratio | 0.15% | 7.34% | -7.19% | 87th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 32.01% | 19.47% | +12.54% | 94th top |
| Tier 1 Ratio | 32.01% | 19.51% | +12.50% | 94th top |
| Total Capital Ratio | 32.18% | 20.59% | +11.59% | 93rd top |
| Leverage Ratio | 50.61% | 12.12% | +38.49% | 99th top |
| Equity / Assets | 48.93% | 11.35% | +37.58% | 99th top |
| TCE / Tangible Assets | 48.93% | 11.07% | +37.86% | 99th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 32.93% | 80.68% | -47.75% | 98th top |
| Core Deposit Ratio | 97.20% | 86.84% | +10.36% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.96% | 6.84% | +6.12% | 89th top |
| Loan Growth (Y/Y) | -0.52% | 7.92% | -8.44% | 21st bottom |
| Deposit Growth (Y/Y) | 7.57% | 6.29% | +1.28% | 74th above |
See Stafford Savings Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Stafford Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Stafford Savings Bank profile, how to read a UBPR, or how this data updates.