# STAFFORD SAVINGS BANK
STAFFORD SPRINGS, CT · FDIC certificate 18227 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $507.0M | |
| Deposits | $202.3M | |
| Loans and leases | $66.6M | |
| Total equity | $248.1M | |
| Loans / deposits | 32.31% (p2 of band) | 82.04% |
| Liquid assets / assets | 85.46% (p100 of band) | |
| Uninsured deposits / deposits | 8.64% (p3 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 50.61% (p100 of band) | 10.81% |
| Unrealized securities loss / equity | -103.85% (p1 of band) | -8.10% |
| AOCI / equity | -0.33% (p51 of band) | |
| ROA (annualized) | 8.23% (p100 of band) | 1.28% |
| Net interest margin | 2.37% (p2 of band) | 3.91% |
| Efficiency ratio | 50.99% (p20 of band) | |
| Noncurrent loans | 0.56% (p57 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | 332.80% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 1.19% (p5 of band) | |
| Auto loans | $609,000 (0.91% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.6% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | NIM <2.5% |  |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | NIM <2.5% |
| 2015-03 | 2 | capital falling, NIM <2.5% |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 0 |  | NIM <2.5% |
| 2016-03 | 1 | NIM <2.5% |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | securities losses >30% of equity | NIM <2.5% |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | losing money, NIM <2.5% |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | losing money |
| 2020-12 | 3 | expense ratio p90 |  |
| 2021-03 | 2 |  | expense ratio p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | expense ratio p90 |  |
| 2022-03 | 3 | losing money | expense ratio p90 |
| 2022-06 | 4 | capital falling |  |
| 2022-09 | 3 |  | capital falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 | deposits shrinking | NIM <2.5%, losing money |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | uninsured deposits leaving |  |
| 2024-03 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 2 | uninsured deposits leaving |  |
| 2024-09 | 1 |  | uninsured deposits leaving |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | NIM <2.5% |  |
| 2025-06 | 1 |  | NIM <2.5% |
| 2025-09 | 2 | NIM <2.5% |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 2 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-06-03 [Rodney D Pierce Obituary | June 3, 2025 - Hartford Courant](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9tdUFEekRDUUJoYW9oRThDNnZ5ZTVJZUxaWkdYZEZCWG0zZkUxT1p4S3ZsNVZkNVZjeUFpVFFrM3N1d1ZMMXFQSFh6WnIxWmljb182a2NNWlJRVjNERlpycw?oc=5) · Hartford Courant
- 2023-01-31 [Town Traditions: Navigating The Fountain In Stafford - Patch](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOVWpuYzRocEtlSGJQN3pfeTJRX0JJekdpWWdsb3JjQk04UDNzUW1GNnRRZGRGVDNKVy1zcUVlUnFueTVPTHdrSHVNQjZHSm51SHl0QnpVaUZjS3lpU0IwSzFkWkQ0S1NpdGZkVHI3LWdUeDQ5LTRZdUt0Ry14VV9GcWdoNF9vYTc0?oc=5) · Patch
- 2024-06-04 [Barbara Warren Obituary - Hartford Courant](https://news.google.com/rss/articles/CBMifEFVX3lxTFBrNW80U0RRUGNhb21RTGZGc0NpOGNMTldSM3FJdm9SeElIc0dka0pBUEZweUJ4MXdvNExQS3JPTUdRSGFCN2FXTW1kV0FncnNGRDM4M3RMYkRJckJqR3pwSWNseHF2YnZEQV8xNlFHak5oYXR0WmVkaWxQcks?oc=5) · Hartford Courant
- 2024-06-10 [Michael S. Zelz - Hartford Courant](https://news.google.com/rss/articles/CBMiekFVX3lxTE43SDhJd0dXTnU5WC14T2ZBV0NVaDNMRWNNZzRId2xLNFVYUFctNXhrekpNc0RRSjhHQXQzaDQxc0RvaGxaR1hIVVd1QS0yaTVQc3BTTThMQjlwV2F4R2YxbzJUM1ZpUjE0NVZkdk1FZG95UlZER1FFWU93?oc=5) · Hartford Courant
- 2013-05-10 [Wayne SENECAL Obituary (2013) - Stafford Springs, CT - Hartford Courant - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPeFhyWUI2VTRfTDRJaVA4XzZpcXZoMWFFbFkyR240WlozUnIxZzBQcHJvdmxMMGFaQWl0di1yRFBmVEQyUWlpUnZHMl9OSkNJOF9kejhFS2xQMGdzSW5JRkloOWJKSkRRbFJZeU85VkQ1QzFwMFhLeGI0b3U5bi1XTFZYOE9qUFNKcjhwcmtCbWQxQS1xTnNV?oc=5) · legacy.com
- 2024-06-10 [Judy L. Hillebrecht - Hartford Courant](https://news.google.com/rss/articles/CBMif0FVX3lxTE9ncVVmd0FES2ViaG9zOXhCc19ELU1LNloyYTBBNnIyTlVlTzdfai1PN1VRY1dkUm1mMXE0UjQ3MnVPSWlLZFdjNGhhNzVBcHY5Njk4NXUtenZoakZ2bUxWeEZBS095RFVhcXlSQWZjVTNtRlBVMXIzR3NpZkFfU2M?oc=5) · Hartford Courant
- 2004-01-19 [Kathleen Marden Obituary (2004) - Hartford, CT - Hartford Courant - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPTklnRVVLb3VtQUZKdTlMWFpIUm1OeG5aaWtLSTVPLV9LbnBBM0h0ME9zdmFxUl95a1BqSU1GaW9QbHZ5MU82RTdJWDZteVJkNGJIYllhcXlOZGNkcnc3djU1NmhoaExjX1NPSHhIdUI0NXI4WkI5Y1RUY2RCNmtfVWtxcUplakw3Smp5ZW1ZTlNzeTJ1MF9uNm5n?oc=5) · legacy.com
- 2024-06-15 [Leah Rochford Obituary - Hartford Courant](https://news.google.com/rss/articles/CBMie0FVX3lxTE8zbjJlc2szZHhESjB2MzUzaXBPTzEza0F5Yy1hTGVjdEo0ZWZhV0hRR1lWckN3WUYtTkhoeEoxNmphVEJDRmFOU19sREd3bFoySHJROUM4ODZmRWRYcUFEQkhpRDl4SW1sNHlKUnFnRl9RRmstTUhGaUJkUQ?oc=5) · Hartford Courant

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18227 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/51.json (key "18227", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide