BlastPoint's Banking Scorecard
Stafford Savings Bank
Micro
Specialty: Other
CT
FDIC cert 18227
Designations: ✓ Community bank ✓ Mutual
Stafford Springs, CT
2498
banks in Micro tier nationally
5 in CT
View Micro leaderboard (CT) →
Stafford Savings Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 4.42% above tier
- + Loan-to-Deposit Ratio 40.93% below tier
- + Tier 1 Capital Ratio 23.38% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.38% below tier
- - Non-Interest-Bearing Deposit Share 15.10% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$475.4M
+11.9% YoY
+3.5% QoQ
|
+$257.9M |
$217.5M
+2.3% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$66.1M
+3.6% YoY
+0.7% QoQ
|
-$73.1M |
$139.2M
+2.8% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$196.7M
+8.6% YoY
+5.1% QoQ
|
+$13.0M |
$183.7M
+1.8% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
5.51%
-3.0% YoY
-8.4% QoQ
|
+4.42% |
1.08%
+14.7% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
2.48%
-5.5% YoY
-0.1% QoQ
|
-1.38% |
3.85%
+6.6% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
53.77%
-0.3% YoY
+4.2% QoQ
|
-13.95% |
67.73%
-4.8% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? |
0.39%
+13.7% YoY
-1.0% QoQ
|
-0.25% |
0.64%
+24.4% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
33.60%
-4.6% YoY
-4.3% QoQ
|
-40.93% |
74.53%
+0.5% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.29%
+22.8% YoY
+18.6% QoQ
|
-15.10% |
22.39%
-1.3% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.05%
+5.4% YoY
-3.8% QoQ
|
-0.40% |
0.45%
+25.1% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
32.24%
-0.9% YoY
+0.1% QoQ
|
+23.38% |
8.85%
-3.4% YoY
|
9.58%
+5.3% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.16%
-4.7% YoY
+25.7% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
5.51%
(Tier avg: 1.08%, National avg: 1.12%)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
33.60%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
32.24%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.48%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
7.29%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Return on Assets
Current: 5.51% · Tier avg: 1.08%
97
97th pctile
Total Assets
Current: $475.4M · Tier avg: $217.5M
97
97th pctile
Loan-to-Deposit Ratio
Current: 33.60% · Tier avg: 74.53%
97
97th pctile
Tier 1 Capital Ratio
Current: 32.24% · Tier avg: 8.85%
84
84th pctile
Efficiency Ratio
Current: 53.77% · Tier avg: 67.73%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
59
59th pctile
Total Deposits
Current: $196.7M · Tier avg: $183.7M
50
50th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.64%
27
27th pctile
Total Loans
Current: $66.1M · Tier avg: $139.2M
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 7.29% · Tier avg: 22.39%
6
6th pctile
Net Interest Margin
Current: 2.48% · Tier avg: 3.85%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.48% · Tier avg: 3.85%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 7.29% · Tier avg: 22.39%
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
27
27th pctile
Total Loans
Current: $66.1M · Tier avg: $139.2M
50
50th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.64%
59
59th pctile
Total Deposits
Current: $196.7M · Tier avg: $183.7M
73
73th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
84
84th pctile
Efficiency Ratio
Current: 53.77% · Tier avg: 67.73%
97
97th pctile
Tier 1 Capital Ratio
Current: 32.24% · Tier avg: 8.85%
97
97th pctile
Loan-to-Deposit Ratio
Current: 33.60% · Tier avg: 74.53%
97
97th pctile
Total Assets
Current: $475.4M · Tier avg: $217.5M
100
100th pctile
Return on Assets
Current: 5.51% · Tier avg: 1.08%