BlastPoint's Banking Scorecard

Chelsea Groton Bank

$1B-$10B Specialty: Mortgage CT FDIC cert 18238

Designations: ✓ Community bank ✓ Mutual

Groton, CT

14 branches across CT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 15 in CT.
Deposits +0.8% year over year ($1.2B on the books).
Delinquency rate 0.48%.
Return on assets 1.39%.
Efficiency ratio 58.41% vs a 59.73% peer average.
Loan-to-deposit ratio 110.43% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 15 in CT

View $1B-$10B leaderboard (CT) →

Chelsea Groton Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 16.13% above tier average
+ Efficiency Ratio 1.32% below tier average
+ Delinquency Rate 0.39% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 6.4% in tier
- Margin Compression: Bottom 24.7% in tier

Get updates when Chelsea Groton Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Total Assets ?	$1.8B +1.5% YoY +0.9% QoQ	-$1.0B	$2.8B -0.6% YoY	$4.8B +5.5% YoY	$6.3B +7.7% YoY	44%
Total Loans ?	$1.3B +5.4% YoY +1.8% QoQ	-$646.6M	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	48%
Total Deposits ?	$1.2B +0.8% YoY +0.7% QoQ	-$1.1B	$2.3B -0.5% YoY	$3.9B +6.2% YoY	$4.9B +7.3% YoY	29%
Return on Assets ?	1.39% -14.9% YoY +40.5% QoQ	+0.00%	1.39% +17.0% YoY	1.11% +57.7% YoY	1.30% +12.1% YoY	62%
Net Interest Margin ?	3.84% +9.0% YoY +0.5% QoQ	-0.03%	3.87% +6.2% YoY	3.44% +11.6% YoY	3.95% +4.9% YoY	58%
Efficiency Ratio ?	58.41% +2.4% YoY -2.9% QoQ	-1.32%	59.73% -12.6% YoY	72.27% -70.9% YoY	70.05% +2.5% YoY	53%
Delinquency Rate ?	0.48% -34.8% YoY -15.0% QoQ	-0.39%	0.87% +11.7% YoY	0.70% -4.9% YoY	0.98% +16.3% YoY	53%
Loan-to-Deposit Ratio ?	110.43% +4.6% YoY +1.1% QoQ	+25.39%	85.04% -0.1% YoY	91.71% +1.4% YoY	79.03% +2.3% YoY	Bottom 4.5% in tier
Non-Interest-Bearing Deposit Share ?	37.40% +1.6% YoY -0.9% QoQ	+16.13%	21.27% -1.5% YoY	22.06% +1.6% YoY	21.98% -0.6% YoY	Top 6.0% in tier
Nonperforming Asset Ratio ?	0.36% -32.3% YoY -14.2% QoQ	-0.31%	0.67% +11.7% YoY	0.53% -3.6% YoY	0.69% +15.8% YoY	56%
Tier 1 Capital Ratio ?	22.03% +6.3% YoY +1.9% QoQ	+7.19%	14.84% -0.4% YoY	14.05% -0.0% YoY	17.09% +0.8% YoY	Top 5.5% in tier
Non-Interest Income / Assets ?	0.28% -45.4% YoY +103.5% QoQ	-0.24%	0.53% +2.5% YoY	0.35% +5.1% YoY	0.66% +5.2% YoY	49%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Noninterest-Bearing	37.4% +0.6pp YoY -0.3pp QoQ	+16.0pp	21.4%	22.1%	22.2%	94%
Brokered Deposits	n/a	n/a	9.5%	8.1%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
C&I	5.7% +0.5pp YoY +0.1pp QoQ	-8.3pp	14.0%	11.4%	12.5%	22%
CRE	23.3% +1.2pp YoY +0.2pp QoQ	-26.7pp	50.0%	42.4%	41.4%	6%
1-4 Family	70.3% -1.6pp YoY -0.2pp QoQ	+43.8pp	26.4%	42.2%	31.3%	96%
Consumer	0.1% -0.1pp YoY 0.0pp QoQ	-4.6pp	4.7%	4.1%	5.0%	11%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
CET1 Ratio	22.0% +1.3pp YoY +0.4pp QoQ	+6.4pp	15.6%	15.0%	19.7%	93%
Leverage Ratio	16.7% +1.1pp YoY +0.5pp QoQ	+5.4pp	11.3%	12.7%	12.6%	96%
Total Capital Ratio	23.0% +1.4pp YoY +0.4pp QoQ	+6.3pp	16.7%	16.0%	20.8%	93%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Full-Time Employees	214 -6 (-2.7%) YoY +20 (+10.3%) QoQ	-100	313	342	482	45%
Assets per Employee ($)	$8.2M +4.3% YoY -8.6% QoQ	-$2.3M	$10.5M	$9.9M	$8.8M	43%
Branch Count	14 0 YoY 0 QoQ	-6	20	19	18	46%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	0.5% -0.3pp YoY -0.1pp QoQ	-0.3pp	0.8%	0.7%	1.0%	47%
Allowance Coverage	1.95x +56.5% YoY +17.7% QoQ	-16.76x	18.71x	4.87x	20.23x	48%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	11%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
ROE	8.9% -2.6pp YoY +2.5pp QoQ	-3.7pp	12.6%	8.2%	11.6%	25%
Cost of Funds (YTD)	1.0% -0.1pp YoY 0.0pp QoQ	-1.0pp	1.9%	1.7%	1.7%	5%
Net Income ($, YTD)	$12.1M -13.3% YoY — QoQ	-$7.1M	$19.2M	$28.0M	$40.4M	49%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk

#12 of 172 • Bottom 6.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 22.03%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 110.43%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ

Margin Compression

decline

#22 of 85 • Bottom 24.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.39%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

Tier 1 Capital Ratio

capital

Value: 22.03%

Peer Median: 14.84%

#50 of 885 Top 5.5% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 37.40%

Peer Median: 21.27%

#54 of 885 Top 6.0% in $1B-$10B

Top Weaknesses (1 metrics)

846

Loan-to-Deposit Ratio

liquidity

Value: 110.43%

Peer Median: 85.04%

#846 of 885 Bottom 4.5% in $1B-$10B