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Stafford Savings Bank
Stafford Springs, CT · FDIC Certificate #18227 · Chartered 07/1
Total assets
$507.04M
Total deposits
$202.25M
Total equity
$248.12M
Net loans
$65.35M
Branches (offices)
3
Net income (YTD)
$20.44M
Rank: #1,768 of 4,213 U.S. banks by assets · #23 of 26 in Connecticut. Assets changed 13.0% and deposits 7.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 8.23% |
| Return on equity | 17.33% |
| Net interest margin (YTD) | 2.37% |
| Equity to assets | 48.93% |
| Tier 1 leverage ratio | 50.61% |
| Uninsured deposits (share of deposits) | 8.6% |
| Noncurrent loans (share of loans) | 0.56% |
| Net charge-offs (share of loans) | -0.03% |
| Loans to deposits | 32.3% |
| Real estate loans (share of loans) | 99.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $65.22M | 99.8% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $1.41M | 2.2% | |
| Construction & development | $2.95M | 4.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $385.17M | $201.05M | -$18.20M | $146.24M |
| Jun 2023 | $388.82M | $188.08M | $9.72M | $167.48M |
| Jun 2024 | $414.73M | $183.06M | $15.33M | $191.73M |
| Jun 2025 | $448.85M | $188.02M | $11.59M | $214.77M |
| Jun 2026 | $507.04M | $202.25M | $20.44M | $248.12M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Connecticut | $202.25M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $202.25M.
Similar-sized banks
Citizens State Bank ($507.04M) · Mega Bank ($506.66M)
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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