🏦Bank Scorer

STAFFORD SAVINGS BANK

STAFFORD SPRINGS, CT · Supervised by FDIC

Est. 1872FDIC #18,227RSSD: FDIC-18227
Outstanding Up

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 2.50%

Institution Profile

FDIC BankFind

Address

2 Furnace Ave, STAFFORD SPRINGS, CT

County

Capitol County

Established

July 16, 1872

Total Assets

$508M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$508M

Total Deposits

$226M

Net Loans

$65M

Net Income

$3M

ROA

2.50%

ROE

5.35%

Risk-Based Capital

32.72%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.88%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$188M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243494.12%5.88%
20234185.37%7.32%
20208585.88%5.88%
20197586.67%4.00%
20185875.86%17.24%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

9 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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