Jewett City Savings Bank
Also written as JCSB
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Data as of · sourced from FFIEC call reports. How we update
Jewett City Savings Bank is an FDIC-insured savings bank headquartered in Jewett City, CT, established in 1873 (FDIC certificate 18237), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $493.9M, up 6.8% from Q2 2025, the 24th largest of 27 banks headquartered in Connecticut. Its CET1 capital ratio was 17.46% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18237
- Headquarters
- Jewett City, CT
- Established
- 1873
- Total assets, Q2 2026
- $493.9M
- Assets vs Q2 2025
- +6.8%
- CET1 ratio, Q2 2026
- 17.46%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 211174330
- Latest call report
- Q2 2026, FFIEC 041 · Jewett City Savings Bank Q3 2026 call report, filed October 22, 2026 (preliminary)
- Asset rank in state
- 24th of 27 in Connecticut
Problem loans are rising at Jewett City Savings Bank. The Jewett City, Connecticut bank had $494 million in assets at June 30, 2026, up 6.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.01% of loans from 0.56% a year earlier. It earns about $0.01 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it funds 14.41% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Earnings fell sharply: quarterly net income of $14,000 was 99% below a year earlier. Costs are the weak spot: it spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Jewett City Savings Bank reported a CET1 capital ratio of 17.46%, a return on assets of 0.01%, a nonperforming-loan ratio of 1.01% and a Texas ratio of 5.76%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Jewett City Savings Bank is the 24th largest of the 27 banks headquartered in Connecticut. Between Q1 2026 and Q2 2026, its total assets rose 2.0% to $493.9M, loans rose 3.9% and deposits rose 2.8%. 1-4 family residential loans made up 34.6% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 17.8%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in CT; its Jewett City office books 35% of its branch deposits. Judged on its Q2 2026 call report, Jewett City Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 111 Main St, Jewett City, CT 06351
- County
- Southeastern Connecticut
- Metro Area
- Norwich-New London-Willimantic, CT
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- June 23, 1873
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 90
- Domestic deposits
- $400.6M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- $1.8M
- Average total assets
- $480.3M
- Average total loans
- $407.9M
- Average interest-bearing deposits
- $307.2M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- July 1, 1960
- FDIC Cert
- 18237
- Fed RSSD
- 820301
- Website
- www.jcsbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Jewett City Savings Bank's total assets ranged from $406.0M (Q3 2023) to $493.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$493.9M total assets against $462.3M; $424.4M total liabilities against $396.9M.
$402.5M net loans and leases against $374.1M; $400.6M total deposits against $378.4M.
$27.2M securities against $26.0M; $34.2M cash and balances due against $33.4M.
$6.5M total interest income against $5.9M; $1.3M total interest expense against $1.3M.
$5.3M net interest income against $4.7M.
$802K total noninterest income against $736K; $4.4M total noninterest expense against $3.8M.
$2.2M provision for credit losses against $414K.
$14K net income against $992K.
0.01% return on assets against 0.88%; 4.55% net interest margin against 4.31%.
17.46% CET1 capital ratio against 17.92%; 14.41% tier 1 leverage ratio against 14.49%.
Inside the full Jewett City Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Jewett City Savings Bank rankings
Its closest position to the top of a national ranking is 540 of 2,134, for CET1 ratio; its furthest is 3,505 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.01% (Q2 2026) to 1.38% (Q3 2025) and its net interest margin ran from 4.08% (Q3 2024) to 4.55% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.46% | 0.01% | 1.01% | 5.76% | 4.55% |
| Q1 2026 | 18.01% | 0.63% | 1.81% | 9.93% | 4.25% |
| Q4 2025 | 17.76% | 1.26% | 1.29% | 7.21% | 4.55% |
| Q3 2025 | 17.64% | 1.38% | 1.46% | 8.29% | 4.48% |
| Q2 2025 | 17.92% | 0.88% | 0.56% | 3.15% | 4.31% |
| Q1 2025 | 18.40% | 0.79% | 0.04% | 0.22% | 4.25% |
| Q4 2024 | 18.29% | 1.14% | 0.24% | 1.36% | 4.41% |
| Q3 2024 | 18.31% | 0.43% | 0.49% | 2.72% | 4.08% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Jewett City Savings Bank (main office) | Jewett City , CT | 06351 | $140.1M |
| Plainfield Branch | Plainfield , CT | 06374 | $91.9M |
| Brooklyn Branch | Brooklyn , CT | 06234 | $78.4M |
| Dayville Branch | Dayville , CT | 06241 | $30.7M |
| Preston Branch | Preston , CT | 06365 | $28.8M |
| Putnam Office of Jewett City Savings Bank Branch | Putnam , CT | 06260 | $17.0M |
| Stonington Office of Jewett City Savings Bank | Stonington , CT | 06378 | $13.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 16, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 14, 1996 | Structure Change | Acquired The Jewett City Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in CT, rank 37 of 46 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 4 loans, $2.3M approved, $578K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Jewett City Savings Bank
What are Jewett City Savings Bank's total assets?
As of the Q2 2026 filing, Jewett City Savings Bank reported total assets of $493.9 million in its FFIEC call report.
Where is Jewett City Savings Bank headquartered?
It is headquartered in Jewett City, CT, United States.
When was Jewett City Savings Bank founded?
It was established in 1873, per the FDIC institution directory.
Is Jewett City Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #18237). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Jewett City Savings Bank?
Jewett City Savings Bank's primary federal regulator is the FDIC.
What is Jewett City Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.46% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Jewett City Savings Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Jewett City Savings Bank's Texas Ratio?
Its Texas Ratio is 5.76% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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