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

884 banks in the $1B-$10B peer group nationally 14 in CT

Chelsea Groton Bank has 3 strengths but faces 4 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 16.45% above tier average
+ Efficiency Ratio 0.94% below tier average
+ Delinquency Rate 0.32% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 6.9% in tier
- Margin Compression: Bottom 10.7% in tier
- Credit Risk Growth: Bottom 23.8% in tier
- Flatlined Growth: Bottom 43.3% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Total Assets ?	$1.7B +1.5% YoY -1.1% QoQ	-$1.1B	$2.8B -0.1% YoY	$4.6B +6.9% YoY	$6.2B +9.1% YoY	43%
Total Loans ?	$1.3B +3.8% YoY -0.7% QoQ	-$671.6M	$2.0B +0.6% YoY	$3.2B +8.3% YoY	$3.2B +10.8% YoY	47%
Total Deposits ?	$1.2B -0.4% YoY +1.2% QoQ	-$1.2B	$2.3B -0.3% YoY	$3.7B +5.9% YoY	$4.8B +8.2% YoY	29%
Return on Assets ?	0.99% -19.0% YoY -29.5% QoQ	-0.38%	1.37% +19.6% YoY	0.98% +59.4% YoY	1.23% +13.4% YoY	32%
Net Interest Margin ?	3.82% +10.0% YoY +6.4% QoQ	+0.00%	3.82% +6.9% YoY	3.30% +11.1% YoY	3.89% +5.7% YoY	61%
Efficiency Ratio ?	60.12% +7.9% YoY -7.2% QoQ	-0.94%	61.06% -4.6% YoY	74.04% -0.3% YoY	66.95% -4.1% YoY	49%
Delinquency Rate ?	0.56% +79.1% YoY +5.4% QoQ	-0.32%	0.89% +14.1% YoY	0.76% +15.1% YoY	0.95% +18.8% YoY	49%
Loan-to-Deposit Ratio ?	109.20% +4.2% YoY -1.8% QoQ	+24.99%	84.20% +0.3% YoY	87.65% +0.6% YoY	76.70% +0.9% YoY	Bottom 4.5% in tier
Non-Interest-Bearing Deposit Share ?	37.74% +2.1% YoY +1.4% QoQ	+16.45%	21.29% -2.5% YoY	20.48% -2.9% YoY	22.01% -1.2% YoY	Top 6.0% in tier
Nonperforming Asset Ratio ?	0.42% +83.2% YoY +5.7% QoQ	-0.25%	0.67% +15.6% YoY	0.54% +14.2% YoY	0.67% +19.3% YoY	50%
Tier 1 Capital Ratio ?	21.63% +6.1% YoY +2.2% QoQ	+6.47%	15.16% +2.0% YoY	15.66% +1.9% YoY	17.06% +0.8% YoY	Top 5.9% in tier
Non-Interest Income / Assets ?	0.14% -56.3% YoY -82.5% QoQ	-0.12%	0.26% +1.6% YoY	0.74% +3.6% YoY	0.32% +4.1% YoY	48%

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$250B+

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 (4)

Liquidity Overhang

risk

#13 of 174 • Bottom 6.9% 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: 21.63%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 109.20%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ

Margin Compression

decline

#10 of 84 • Bottom 10.7% 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: 0.99%

(Tier: 1.37%, National: 1.23%)

worse than tier avg

84 of 84 Mid-Market banks match · 407 nationally

↑ Growing +94 banks QoQ

Credit Risk Growth

risk

#101 of 420 • Bottom 23.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#66 of 150 • Bottom 43.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.99%

(Tier: 1.37%, National: 1.23%)

worse than tier avg

150 of 150 Mid-Market banks match · 687 nationally

→ Stable +32 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (2 metrics)

Tier 1 Capital Ratio

capital

Value: 21.63%

Peer Median: 15.16%

#53 of 884 Top 5.9% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 37.74%

Peer Median: 21.29%

#54 of 884 Top 6.0% in $1B-$10B

Top Weaknesses (1 metrics)

845

Loan-to-Deposit Ratio

liquidity

Value: 109.20%

Peer Median: 84.20%

#845 of 884 Bottom 4.5% in $1B-$10B