Stafford Savings Bank
Stafford Springs, CT·RSSD 113003·FDIC 18227·bank:113003·Risk-based ratios where reported
- #24 of 28Total assets in Connecticut
- 3offices
- 27employees
- Top 1%Return on assets vs. peers
- Top 7%Cost of deposits vs. peers
- Top 8%Lowest cost of deposits in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Stafford Savings Bank
2 of 24 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Return on assets rising faster than peersStrength: Earnings 2nd quarter13.73%peers 1.32%+1242 bps
Stafford Savings Bank's annualized return on assets rose 428 bps over the past year to 13.73%. Among 1433 similar banks, the median rose 14 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 13.73% | 1.32% | +1242 bps |
| 12-month change | ||
| +428 bps | +14 bps | +414 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Stafford Savings Bank itself is left out of every peer median and percentile. How signals work
Deposit costs rising while the peer median fallsWorth a look: Funding 2nd quarter0.98%peers 1.80%-81 bps
Stafford Savings Bank's cost of all deposits rose 20 bps over the past year to 0.98%. Among 1431 similar banks, the median fell 15 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 0.98% | 1.80% | -81 bps |
| 12-month change | ||
| +20 bps | -15 bps | +35 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Stafford Savings Bank itself is left out of every peer median and percentile. How signals work
Where Stafford Savings Bank differs most from peers
Leverage capital ratio among the highest of similar banksContext: Capital50.61%peers 10.81%+39.8 pp
Stafford Savings Bank's leverage ratio was 50.61%, compared with a median of 10.81% among 1437 similar banks: the highest of them.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 50.61% | 10.81% | +39.8 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Stafford Savings Bank itself is left out of every peer median and percentile. How signals work
Key facts
- Stafford Savings Bank is a bank headquartered in Stafford Springs, Connecticut. It reported $507 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $202 million, up 7.6% from a year earlier, and loans totaled $66.6 million, down 0.5%.
- Its net interest margin was 2.38% and its annualized return on assets was 13.73% for the quarter.
- Its cost of all deposits was 0.98%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Stafford Savings Bank's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Stafford Savings Bank · Bank
- Federal Reserve RSSD
- 113003
- FDIC certificate
- 18227
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Stafford Savings Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $17.37M | — | |
| $3.47M | — | |
| $524K | — | |
| $2.95M | — | |
| $171K | — | |
| $1.58M | — | |
| -$19K | — | |
| $0 | — | |
| 13.73% | 13.69%ROAQ · Quarter | |
| 2.38% | 2.38%NIMYQ · Quarter | |
| 50.80% | 50.80%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.