BlastPoint's Banking Scorecard
Chelsea Groton Bank
Community
Specialty: Mortgage
CT
FDIC cert 18238
Designations: ✓ Mutual
Groton, CT
1484
banks in Community tier nationally
21 in CT
View Community leaderboard (CT) →
Chelsea Groton Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.18% above tier
- + Tier 1 Capital Ratio 10.93% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 5% in Community
- - Credit Risk Growth: Bottom 40% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+2.7% YoY
-0.5% QoQ
|
+$364.5M |
$1.4B
+2.0% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$1.3B
+5.7% YoY
+1.3% QoQ
|
+$327.0M |
$975.5M
+2.4% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$1.2B
-2.3% YoY
-3.5% QoQ
|
+$6.1M |
$1.2B
+1.7% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
1.40%
+49.4% YoY
-19.1% QoQ
|
+0.24% |
1.16%
+17.2% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
3.59%
+8.8% YoY
+1.3% QoQ
|
-0.07% |
3.66%
+9.1% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
64.81%
-9.0% YoY
+10.4% QoQ
|
+2.18% |
62.63%
-5.3% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
0.54%
+160.0% YoY
-2.2% QoQ
|
-0.09% |
0.63%
+18.3% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
111.26%
+8.2% YoY
+5.0% QoQ
|
+28.19% |
83.06%
+0.3% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
37.22%
+2.4% YoY
-2.7% QoQ
|
+16.18% |
21.05%
-0.9% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.40%
+167.6% YoY
-0.5% QoQ
|
-0.10% |
0.50%
+20.3% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
21.17%
+6.8% YoY
+1.5% QoQ
|
+10.93% |
10.24%
-0.6% YoY
|
9.58%
+5.3% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.79%
+57.8% YoY
+21.6% QoQ
|
+0.05% |
0.74%
-1.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (2)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Community
Why this stands out
Current:
37.22%
(Tier avg: 21.05%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 5%
in Community
Why this stands out
Current:
21.17%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Liquidity Overhang
risk
#15 of 268 · Bottom 5% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
21.17%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
111.26%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#256 of 642 · Bottom 40% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
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
95
95th pctile
Tier 1 Capital Ratio
Current: 21.17% · Tier avg: 10.24%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.22% · Tier avg: 21.05%
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
77
77th pctile
Non-Interest Income / Assets
Current: 0.79% · Tier avg: 0.74%
75
75th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
69
69th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.16%
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
46
46th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.66%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.50%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.63%
42
42th pctile
Efficiency Ratio
Current: 64.81% · Tier avg: 62.63%
3
3th pctile
Loan-to-Deposit Ratio
Current: 111.26% · Tier avg: 83.06%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 111.26% · Tier avg: 83.06%
42
42th pctile
Efficiency Ratio
Current: 64.81% · Tier avg: 62.63%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.63%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.50%
46
46th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.66%
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
69
69th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.16%
75
75th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
77
77th pctile
Non-Interest Income / Assets
Current: 0.79% · Tier avg: 0.74%
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.22% · Tier avg: 21.05%
95
95th pctile
Tier 1 Capital Ratio
Current: 21.17% · Tier avg: 10.24%