Stafford Savings Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 32.6 and a capital leverage ratio of 47.1. A current level of 0.1 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.3 on a scale of 0 to 10). Excellent liquidity 7.2, driven by a liquidity ratio of 144.5 percent and a “hot money” ratio of 7.4 percent.
Asset Mix:
Securities (21%), home mtgs (15%), cash (14%), home eq lns (1%), consumer loans (0%), other (48%)
States with Branches:
CT
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
Address
Two Furnace Avenue
Stafford Springs, CT 06076
Stafford Springs, CT 06076
Phone Number
(860) 684-4261
Year Founded
1872
FDIC Number
Website
Largest Affiliates
No affiliate information available.
