# CHELSEA GROTON BANK
GROTON, CT · FDIC certificate 18238 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $1.75B | |
| Deposits | $1.19B | |
| Loans and leases | $1.33B | |
| Total equity | $276.7M | |
| Loans / deposits | 110.43% (p95 of band) | 87.10% |
| Liquid assets / assets | 18.36% (p38 of band) | |
| Uninsured deposits / deposits | 22.39% (p22 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 14.27% (p78 of band) | |
| FHLB advances / assets | 10.56% | |
| Tier 1 leverage | 16.73% (p95 of band) | 10.50% |
| Unrealized securities loss / equity | -22.38% (p16 of band) | -7.75% |
| AOCI / equity | -1.67% (p7 of band) | |
| ROA (annualized) | 1.39% (p62 of band) | 1.26% |
| Net interest margin | 3.84% (p59 of band) | 3.70% |
| Efficiency ratio | 58.41% (p48 of band) | |
| Noncurrent loans | 0.48% (p48 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p10 of band) | |
| Reserve coverage of noncurrent | 195.49% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 28.73% (p29 of band) | |
| Auto loans | $653,000 (0.05% of loans; DQ 0.15%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.8% | |
| Employees | 214 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 0 |  | reserve under noncurrent, capital falling |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling, expense ratio p90 | reserve under noncurrent |
| 2017-03 | 0 |  | capital falling, expense ratio p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 1 | securities losses >30% of equity | reserve under noncurrent |
| 2020-03 | 2 | losing money, reserve under noncurrent | securities losses >30% of equity |
| 2020-06 | 2 | capital falling | losing money |
| 2020-09 | 3 | noncurrent p90 |  |
| 2020-12 | 2 |  | noncurrent p90 |
| 2021-03 | 4 | securities losses >30% of equity, noncurrent p90 |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | noncurrent p90 |
| 2021-12 | 2 |  | capital falling |
| 2022-03 | 2 | losing money | reserve under noncurrent |
| 2022-06 | 2 |  |  |
| 2022-09 | 4 | capital falling, AOCI drag >20% of equity |  |
| 2022-12 | 1 |  | losing money, capital falling, AOCI drag >20% of equity |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 3 | capital falling, deposits shrinking |  |
| 2024-03 | 2 | uninsured deposits leaving | capital falling, deposits shrinking |
| 2024-06 | 3 | deposits shrinking |  |
| 2024-09 | 1 |  | securities losses >30% of equity, deposits shrinking |
| 2024-12 | 4 | loans exceed deposits, capital falling, securities losses >30% of equity |  |
| 2025-03 | 1 |  | uninsured deposits leaving, capital falling, securities losses >30% of equity |
| 2025-06 | 2 | wholesale funding >15% |  |
| 2025-09 | 1 |  | wholesale funding >15% |
| 2025-12 | 2 | wholesale funding >15% |  |
| 2026-03 | 1 |  | wholesale funding >15% |
| 2026-06 | 1 |  |  |

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

- 2026-05-02 [Chelsea Groton Bank posts best year in 171-year history - The Day](https://news.google.com/rss/articles/CBMikAFBVV95cUxPYnVsZmx6V1JEN0tHbGluRGlnakJ6WlpjZFlocEhCa3BCWHhSeGxUMkxlSnFiRjc1bGE0cXowTGdJR3pGbUJ5RnltYkoxVWZzU2dlbWRwVE1YQ3kycU1ybFU4bGJpNDI5MEpvRDZ1ZzhGRWI3TmhyR0R5TExpNlJiWDZVTDNTWnZQV3ByZlVZblg?oc=5) · The Day
- 2026-07-21 [Norwich revives $55M police station plan for Nov. 3 referendum - Norwich Bulletin](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNaWlseVlxOTh5WTh5QmNfRjJCUEMwd3FzUVlXYkhaY09aVmtWREM4OUU0b3ZjVGFYMWJfendoUjA2dUc3TVJTRjl4SXktSUI2T3lMb0NLUjNlQ2xRTnp3SHpJUDRrOERaX3lIR0pycUh1LU1lT3llc25mVy05Q20xWlZJUWE1RXlTWDhqT0FsemNVUW5UMnh6Y0dncTQ1XzI4SzlhekdMb3BjRS1tUnRsMlQtOTJ2UWZablJheDNXOTVkbk1lR3duQmt2LXNzandzcE1xZndYV1RZWTlJSVhDQzk3cS1iWGJ4Z05TQlNVRQ?oc=5) · Norwich Bulletin
- 2025-10-21 [Norwich City Council split on proposal for former Chelsea Groton Bank building - Norwich Bulletin](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQTS1xYWhXcndIT0VQeGQ3aU9JWmY0dy1Gc1Y5ZU5kNDRXVElrTmdkTk1hS2FvdHFucnJwenBKbG5FWnROZEdLOWo3U1RneUx4NEUxTU13MTEwOGlsTS0tQmVoZ0hudVVaWXpqRHdydTdLXzhJVWdETzNSdHZjQ0tfODlwdGVqeE5yVTgzR184YzVWV29xVG55cEduMk82ZXVNaTNCVmVRcGNDZW9oYnkwb0xRSnpDY2x1aDR4ZkVhRWZlcUp0N21NQVVGUmVRWXl3VWdmV1lMVEVUS0lUcVRJ?oc=5) · Norwich Bulletin
- 2023-07-01 [Michael Rauh – Harrington School of Communication and Media - The University of Rhode Island](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBNUTJBMkRMNHJWODV3T1ZicHRoendXMmJnNUlEOVBrNDNCNW10LVFZVnlWZkVMellteEhhVzAtQkJUYUxwbVJWMEJBYklVVWFiTlVGZUVhZ29LMXQwUFE?oc=5) · The University of Rhode Island
- 2022-08-04 [Chelsea Groton Bank breaks ground on renovation project - Hartford Business Journal](https://news.google.com/rss/articles/CBMimAFBVV95cUxNakdKUXdNV0VCQmkwQkdiY1pWcEdpNllSdV9fMndwU3VlUVhDYjZOYzhkc3VyNk14VzdqZHgxVHB4bmQ1dVd1dEdNaDhjYWpPQjMxLWx5ODg2eWlLSlRxbGhrUnRTZTk1RHhSaVZzU3k0RmtNbmNVYXZLa1lVdlppQVRZS09CeER4RWdfSllNYTdtMW9fN3hUeQ?oc=5) · Hartford Business Journal
- 2025-06-13 [Father, son dead following bank robbery, police standoff in Groton - wfsb.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQZ2p6TUhDOWRxVlNod0loZlpVTFl2TFcyU1NycTFFaVZqOEViRmxoOGhBd0N0Z0V4RUNGcWMxaXhBdk5RNFF4LU1DQ0FKSTg2SXc4Qm81N0hwN21zQWItWUl3SFI1SjkwYjBKME95R2J1WTZMLThPQVBjNXUwTjRGemUxcEQ0YUlHa3pLbkd4dlF1VTQ1NGtwakxn0gGuAUFVX3lxTE1zbXhLQlB3TG1qUVJGN3QwM1RaRHRfaDVmamVJbWMwWmFKWjk4S1ZYdDVOVEo4RjRaaHBfV0Q0TEcyX19xUDBTM3RZTGhDV2FYM3NMMFJRazhKQUhNTF9ydm1vaHVqWGhkRC0wYUNIUENtQ2x0X2p3bDVXRHNqdzZYMk5PWkRXTlV1OHk4cXdhb1J0WWp3b0I2NHE5RlBQU3VXbkdCT3NjWjVvNWlFdw?oc=5) · wfsb.com
- 2025-06-12 [Groton police share photos of individuals allegedly tied to bank robbery - WTNH.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxPR0RzeWRtZ0FuMzQ3SF9UU2hNejdTX0g4bkpTNDhRX3F1N3NIWm42Y2RxY3Zxd3FDenQ0blJoaTl4NlNST2lnTGF2NFpmVmRBanpUUUVZRDNIU2hKeHFqSUM2azhTTUJ1QTR0V09PRTEwYnFGSVhfT1RPQk5rRERJdGM5UFdXNmsxMVV1Nmd2b2NQVFBZc1NTeXkxN1dpSWI5UmtZN1lNdkVwUVVSM080aUpR0gG3AUFVX3lxTE12dlAycjVha180MTRNaEVrRVFOQ1NCNVRkZ3lXVXFkRnd2bm8yam83ejZsaDgyd1NjRkszSnJUX2VBeTFfQVdubkRMU1M4WGxJMlozeUZoR19IVkZ4aXkycTdHU3V1N3loc0hNR2lXQmM0cXlOWExrLVBycy05QU0zaWdMWnMzRldTMTcwRlRCb2VabzlLaXUzUThNcU02RWlSWk0wdzhmb2VMUzlBcmY5aVdSRmtMSQ?oc=5) · WTNH.com
- 2021-03-04 [Chelsea Groton Bank Introduces Local Chelsea|LIVE Video Banking Team and New Ways to Connect - Send2Press](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPUzlfVHhpQ084WF9pSHkxZGp1VFBnZk5ZSU1NcWFiVW81VFZYbG9oTDhibEd6aGJQbUNmTHNYaWVlblV6YVR3QXhKcmRhalYzdDBOb1RCZ0lqZ214UnNDcmpVRXRmUGFyMmIwdU9qLV9BR0I1a0djeWxHbW1udXRmZndnVjFVb1ZpSVhVcFFNaWJoNExpZTZPaXVKS19HTEZrVjNXUnNLMjV4bi1fR1pyU1VoSDFjTHY1V0Vncm1odWxWZw?oc=5) · Send2Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18238 (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/62.json (key "18238", 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.

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