Side-by-side · Q2 2026 data
Liberty Bank vs Chelsea Groton Bank
Metric by metric
| Measure | Liberty Bank | Chelsea Groton Bank |
|---|---|---|
| TellerScore | 79 | 82 (stronger) |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 89 (stronger) | 84 |
| Earnings | 72 | 76 (stronger) |
| Funding & liquidity | 47 (stronger) | 42 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 88th | 93rd |
| Total assets | $9.4B | $1.8B |
| Deposits / shares | $7.1B | $1.2B |
| Capital ratio | 13.37% | 16.73% (stronger) |
| Problem loans | 0.32% (stronger) | 0.48% |
| Net charge-offs | 0.18% | -0.00% (stronger) |
| Return on assets | 1.30% | 1.39% (stronger) |
| Loans ÷ deposits | 101.8% (stronger) | 110.4% |
| Uninsured deposits | 25.5% | 22.4% (stronger) |
| Offices | 51 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.2% | 11.2% |
Chelsea Groton Bank has the higher TellerScore (82 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Liberty Bank leads on 2 and Chelsea Groton Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Norwich, CT
- Groton, CT
- Mystic, CT
- Waterford, CT