Stafford Savings Bank: how it compares with its peers
Against 10 CT banks with half to twice its assets, Stafford Savings Bank's strongest measure in Q2 2026 is return on assets (8.23% vs. a 0.65% peer median). Its weakest relative measure is net interest margin (2.37% vs. 3.64%).
| Measure | Stafford Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 8.23% | 0.65% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.37% | 3.64% | Bottom third Ahead of 10% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.99% | 76.31% | Top third Ahead of 90% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $18.8M | $7.9M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 32.31% | 97.94% | Context |
What it means for lending operations
Its efficiency ratio of 50.99% is better than the 76.31% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Jewett City Savings Bank Jewett City, CT · $494M
- Connecticut Community Bank, National Association Norwalk, CT · $526M
- Essex Bank Essex, CT · $537M
- The Milford Bank Milford, CT · $652M
- The National Iron Bank Salisbury, CT · $318M
- The First Bank of Greenwich Cos Cob, CT · $812M
Questions about Stafford Savings Bank
How big is Stafford Savings Bank?
Stafford Savings Bank, established in 1872, is headquartered in Stafford Springs, CT. It reported $507M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Stafford Savings Bank's return on assets?
8.23% annualized in Q2 2026, against a 0.65% median for 10 CT banks with half to twice its assets, ahead of 100% of them.
What is Stafford Savings Bank's efficiency ratio?
50.99% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 76.31%, and lower is better.
Is Stafford Savings Bank growing its loans?
Net loans shrank 0.6% over the year to Q2 2026, while deposits grew 7.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CT banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Connecticut bank ranked.