TellerScore

Headquartered in Groton, Connecticut, Chelsea Groton Bank is a si with $1.8B in total assets and $1.2B in deposits as of Q2 2026. It operates 14 offices. Its charter dates back to 1854.

Based on its Q2 2026 filing, Chelsea Groton Bank scores 82/100, which we describe as strong. That is higher than 93% of 897 banks with $1 billion – $10 billion. Among 27 banks headquartered in Connecticut, it ranks 2nd. Its strongest component is capital cushion (100/100; 16.73%), and its lowest is funding & liquidity (42/100; 110% loans-to-deposits, 22% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.73%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.48%
Earnings76/100
Return on assets (annualized): 1.39%
Funding & liquidity42/100
Loans ÷ deposits and uninsured-deposit share: 110.4% · 22.4% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.19%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 82).

TellerScore
788286Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202486
Q3 202485
Q4 202481
Q1 202583
Q2 202582
Q3 202584
Q4 202582
Q1 202678
Q2 202682
Tier 1 leverage ratio
5.00%10.87%16.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.21%
Q3 202414.95%
Q4 202414.92%
Q1 202515.16%
Q2 202515.61%
Q3 202515.92%
Q4 202515.95%
Q1 202616.19%
Q2 202616.73%
Noncurrent loans
0.19%0.46%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.19%
Q3 20240.21%
Q4 20240.20%
Q1 20250.31%
Q2 20250.73%
Q3 20250.54%
Q4 20250.53%
Q1 20260.56%
Q2 20260.48%
Return on assets
0.94%1.34%1.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.37%
Q3 20241.29%
Q4 20240.94%
Q1 20251.22%
Q2 20251.63%
Q3 20251.73%
Q4 20251.40%
Q1 20260.99%
Q2 20261.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$1.8B16.73%0.48%1.39%110.4%
Q1 202678$1.7B16.19%0.56%0.99%109.2%
Q4 202582$1.8B15.95%0.53%1.40%111.3%
Q3 202584$1.8B15.92%0.54%1.73%106.0%
Q2 202582$1.7B15.61%0.73%1.63%105.6%
Q1 202583$1.7B15.16%0.31%1.22%104.8%
Q4 202481$1.7B14.92%0.20%0.94%102.8%
Q3 202485$1.7B14.95%0.21%1.29%97.1%
Q2 202486$1.7B15.21%0.19%1.37%97.9%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.73%
96th
Total risk-based capital22.97%
95th
Problem loans0.48%
53rd
Net charge-offs-0.00%
90th
Return on assets1.39%
62nd
Net interest margin3.84%
59th
Efficiency ratio58.4%
52nd
Loans to deposits110.4%
5th
Uninsured deposits22.4%
78th
Loan-loss reserves0.93%
23rd
Texas ratio2.2%
67th

Similar-size banks in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Ives BankBank Danbury, CT67 out of 100, Moderate$1.7B13.9%1.41%vs
Newtown Savings BankBank Newtown, CT65 out of 100, Moderate$1.9B9.5%0.37%vs
Fairfield County BankBank Ridgefield, CT76 out of 100, Strong$1.9B14.3%0.05%vs
Thomaston Savings BankBank Thomaston, CT68 out of 100, Moderate$1.9B10.7%0.65%vs
Ascend BankBank Guilford, CT66 out of 100, Moderate$1.5B9.7%0.50%vs
Patriot Bank, National AssociationBank Stamford, CT36 out of 100, Low$1.3B9.6%2.75%vs

Deposit insurance

Is my money safe at Chelsea Groton Bank?

Yes. Chelsea Groton Bank is an FDIC-insured institution (FDIC certificate #18238). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.4% of deposits ($266.9M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.73%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.97% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

Chelsea Groton Bank lists 13 offices in 10 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Chelsea Groton Bank reported 589 home-loan applications under HMDA (LEI 5493000GQWJTTR0TEH83): 423 originated ($194,815,000 total), 58 denied, and 70 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Chelsea Groton Bank
Former names
The Chelsea Groton Savings Bank; Groton Savings Bank
Type
SI
FDIC certificate #
18238
RSSD ID
345309
Primary regulator
FDIC
Established
January 1, 1854
Headquarters
904 Poquonnock Rd, Groton, CT 06340
Employees
214

Quick answers

Chelsea Groton Bank: common questions

Is Chelsea Groton Bank FDIC insured?

Yes. Chelsea Groton Bank is an FDIC-insured institution (FDIC certificate #18238). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Chelsea Groton Bank's TellerScore?

82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Chelsea Groton Bank ever failed?

There is no failure record for FDIC certificate #18238 in the FDIC failed bank list.

How many branches does Chelsea Groton Bank have?

14 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Groton

InstitutionScoreAssetsCapitalProblem loansCompare
Lawrence Memorial Hospital Employee Federal Credit UnionCredit union New London, CT100 out of 100, Very strong$37.7M23.4%0.00%vs
Charter Oak Federal Credit UnionCredit union Waterford, CT85 out of 100, Very strong$1.7B12.5%0.50%vs
Liberty BankBank Middletown, CT79 out of 100, Strong$9.4B13.4%0.32%vs
Dutch Point Credit UnionCredit union Wethersfield, CT77 out of 100, Strong$565.4M10.6%0.12%vs
Coreplus Federal Credit UnionCredit union Norwich, CT75 out of 100, Strong$676.5M11.0%0.39%vs
Dime BankBank Norwich, CT72 out of 100, Strong$1.2B11.8%0.20%vs