| Metric | Chelsea Groton Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +5.5% | -4.0 pts |
| Deposit growth (YoY) | +0.8% | +5.1% | -4.2 pts |
| Loan growth (YoY) | +5.4% | +5.9% | -0.5 pts |
| ROA | 1.39% | 1.26% | +0.1 pts |
| ROE | 8.9% | 12.2% | -3.3 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.75B | $1.19B | $1.32B | $276.7M | $12.1M | 1.39% | 3.84% | 0.36% |
| Q1 2026 | $1.74B | $1.18B | $1.29B | $272.7M | $4.3M | 0.99% | 3.82% | 0.42% |
| Q4 2025 | $1.76B | $1.17B | $1.30B | $269.2M | $24.3M | 1.40% | 3.59% | 0.40% |
| Q3 2025 | $1.76B | $1.21B | $1.29B | $265.1M | $22.5M | 1.73% | 3.55% | 0.40% |
| Q2 2025 | $1.73B | $1.18B | $1.25B | $254.7M | $14.0M | 1.63% | 3.52% | 0.53% |
| Q1 2025 | $1.71B | $1.19B | $1.25B | $243.6M | $5.2M | 1.22% | 3.47% | 0.23% |
| Q4 2024 | $1.71B | $1.20B | $1.23B | $234.2M | $15.7M | 0.94% | 3.30% | 0.15% |
| Q3 2024 | $1.71B | $1.25B | $1.21B | $237.5M | $16.2M | 1.29% | 3.23% | 0.15% |
Loan mix (Q2 2026): real estate $1.23B · commercial $75.1M · consumer $1.1M · securities $285.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Chelsea Groton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 1.26% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 12.2% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.4% | 59.0% | 47th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Chelsea Groton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Chelsea Groton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Chelsea Groton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Chelsea Groton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Chelsea Groton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
14 branches in 1 county across 1 state (+0 vs 2024) · $1.18B branch deposits. Biggest market: Southeastern Connecticut, CT, ranked 2nd with 12.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Southeastern Connecticut, CT | 14 | $1.18B | 12.66% | 2nd |
Connecticut: 23rd with 0.78% · Norwich-New London-Willimantic metro: 2nd, 12.66% ·
Branch count: 2022 14 · 2023 14 · 2024 14 · 2025 14