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Chelsea Groton Bank
Groton, CT · FDIC Certificate #18238 · Chartered 01/0
Total assets
$1.75B
Total deposits
$1.19B
Total equity
$276.69M
Net loans
$1.32B
Branches (offices)
14
Net income (YTD)
$12.14M
Rank: #657 of 4,213 U.S. banks by assets · #9 of 26 in Connecticut. Assets changed 1.5% and deposits 0.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.39% |
| Return on equity | 8.90% |
| Net interest margin (YTD) | 3.84% |
| Equity to assets | 15.79% |
| Tier 1 leverage ratio | 16.73% |
| Uninsured deposits (share of deposits) | 22.4% |
| Noncurrent loans (share of loans) | 0.48% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 110.4% |
| Real estate loans (share of loans) | 93.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.23B | 93.7% | |
| Commercial & industrial | $75.12M | 5.7% | |
| Consumer / individual | $1.06M | 0.1% | |
| Construction & development | $79.49M | 6.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.57B | $1.31B | -$3.84M | $187.80M |
| Jun 2023 | $1.58B | $1.28B | $11.93M | $202.19M |
| Jun 2024 | $1.69B | $1.20B | $11.27M | $223.79M |
| Jun 2025 | $1.73B | $1.18B | $13.99M | $254.70M |
| Jun 2026 | $1.75B | $1.19B | $12.14M | $276.69M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Connecticut | $1.19B | 14 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.19B.
Similar-sized banks
Hawthorn Bank ($1.76B) · Community State Bank ($1.75B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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