Chelsea Groton Bank
Groton, CT
IDRSSD: 345309
Total Assets
$1.76B
Latest filing
Total Deposits
$1.17B
Latest filing
Net Interest Margin
3.70%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Chelsea Groton Bank
904 Poquonnock Rd
Groton, CT 06340
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1854FDIC Certificate 12154
Branches (13)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Chelsea Groton Bank (Main) | 904 Poquonnock Rd | Groton, CT |
| MYSTIC BRANCH | 2 Water St | Mystic, CT |
| PAWCATUCK BRANCH | 116 W Broad St | Pawcatuck, CT |
| CENTER GROTON BRANCH | 904 Poquonnock Rd | Groton, CT |
| NORTH STONINGTON BRANCH | 391 Norwich Westerly Rd | North Stonington, CT |
| SALEM BRANCH | 20 Hartford Rd | Salem, CT |
| WEST MAIN STREET BRANCH | 444 W Main St | Norwich, CT |
| NIANTIC BRANCH | 21 Pennsylvania Ave | Niantic, CT |
Showing 7 of 13
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1854 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 06340 |
| State and County Number | 09180 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 01 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 201 |
| Domestic Offices | 14 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 07/01/1960 |
| Primary Insurance Agency | DIF |
| Website | www.chelseagroton.com |
| Data Updated | 01/30/2026 |
| CERT | 18238 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.76B |
| Total Deposits | $1.17B |
| Total Liabilities | $1.49B |
| Total Equity Capital | $269.16M |
| Net Income | $1.84M |
| Net Loans and Leases | $1.30B |
| Assets Per Employee ($Millions) | $8.69M |
| Bank Premises and Fixed Assets | $31.02M |
| Cash and Balances due from Depository Institutions | $28.75M |
| Deposits Held in Domestic Offices | $1.17B |
Key Performance Ratios
| Return on Assets (ROA) | 0.42% |
| Return on Equity (ROE) | 2.75% |
| Net Interest Margin | 3.7% |
| Efficiency Ratio | 83.67% |
| Tier 1 Risk-Based Capital Ratio | 21.171% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.329% |
| Earning Assets to total Assets | 92.15% |
Income and Expense
| Total Interest Income | $19.16M |
| Total Noninterest Income | $2.42M |
| Total Interest Expense | $4.15M |
| Total Noninterest Expense | $14.58M |
| Net Interest Income | $15.00M |
| Pre-tax Net Operating Income | $2.50M |
| Provision for Credit Losses | $294.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $285.07M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $30.99M |
| Total Liabilities and Capital | $1.76B |
Securities
| Securities | $306.37M |
| Available-for-sale debt securities | $265.01M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $2.20M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Chelsea Groton Bank?
$1.76B as of the latest filing.
How much are Chelsea Groton Bank's total deposits?
$1.17B in total deposits.
Where is Chelsea Groton Bank located?
Groton, CT.
What is the Net Interest Margin?
3.70%.
How many domestic offices does it operate?
14.
When was it established?
01/01/1854.
What is the Return on Assets (ROA)?
0.42%.
How much are total loans and leases?
$1.30B (latest filing).
What is the total interest income (latest filing)?
$19.16M.