Stafford Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 558.69 percentage points in Q2 2026, from 891.49% to 332.80%. It was the largest change from Q1 2026 among the key lines here. Stafford Savings Bank has the highest return on assets of the 27 banks headquartered in Connecticut, 14.14% as of Q2 2026. Stafford Savings Bank's return on assets of 14.14% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 12.89 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 32.01% |
| Tier 1 risk-based capital ratio | 32.01% |
| Total risk-based capital ratio | 32.18% |
| Tier 1 leverage ratio | 50.61% |
| Equity capital to assets | 48.93% |
| Tangible equity to tangible assets | 48.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.56% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.15% |
| Allowance for credit losses to loans | 1.86% |
| Reserve coverage of non-performing loans | 332.80% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 14.14% |
| Return on equity | 29.00% |
| Net interest margin | 2.46% |
| Efficiency ratio | 50.80% |
| Yield on earning assets | 2.90% |
| Cost of funds | 1.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 32.93% |
| Core deposits to total deposits | 97.20% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 39.89% |
| Securities to assets | 69.43% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 32.68% | 32.68% | 32.92% | 42.79% | -4.30% |
| Q4 2023 | 32.33% | 32.33% | 32.56% | 47.06% | 12.86% |
| Q1 2024 | 32.26% | 32.26% | 32.46% | 48.69% | 13.99% |
| Q2 2024 | 32.48% | 32.48% | 32.68% | 46.69% | 1.36% |
| Q3 2024 | 32.25% | 32.25% | 32.44% | 50.11% | 11.19% |
| Q4 2024 | 32.54% | 32.54% | 32.73% | 47.00% | -3.02% |
| Q1 2025 | 32.67% | 32.67% | 32.87% | 47.99% | 1.14% |
| Q2 2025 | 32.36% | 32.36% | 32.54% | 49.79% | 9.59% |
| Q3 2025 | 32.22% | 32.22% | 32.39% | 50.00% | 7.43% |
| Q4 2025 | 32.24% | 32.24% | 32.42% | 49.17% | 4.11% |
| Q1 2026 | 32.53% | 32.53% | 32.72% | 46.58% | 2.48% |
| Q2 2026 | 32.01% | 32.01% | 32.18% | 50.61% | 14.14% |
Stafford Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Stafford Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Stafford Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18227) · FFIEC NIC profile (RSSD 113003)