Bank Safety Analysis
Is Massmutual Private Wealth & Trust, FSB Safe? Windsor, Connecticut
Based on its Q2 2026 call report, Massmutual Private Wealth & Trust, FSB meets every capital ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, Massmutual Private Wealth & Trust, FSB's CET1 ratio is 58.94%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 58.94%
- Tier 1 leverage ratio (Q2 2026): 32.24%
- Texas ratio (Q2 2026): 0.00%
- Noncurrent loans ratio (Q2 2026): not reported
Massmutual Private Wealth & Trust, FSB is an FDIC-insured savings institution (FDIC Certificate #35394). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Massmutual Private Wealth & Trust, FSB meets regulatory minimums but is on the watch band for 1 of 4 safety dimensions. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in CET1 ratio: 1.76 percentage points higher than in Q1 2026, at 58.94%. As of Q2 2026, Massmutual Private Wealth & Trust, FSB ranks first in Connecticut on CET1 ratio among 17 banks, at 58.94%. Against a median of 19.96% for banks in the < $100M asset tier, Massmutual Private Wealth & Trust, FSB reported 58.94% on CET1 ratio in Q2 2026, 38.97 points higher. From Q3 2023 to Q2 2026, Massmutual Private Wealth & Trust, FSB's CET1 ratio ranged between 47.24% (Q4 2023) and 59.35% (Q2 2025) and its Texas ratio held at 0.00% in every quarter. Between Q2 2025 and Q2 2026, Massmutual Private Wealth & Trust, FSB's CET1 ratio fell from 59.35% to 58.94%, Texas ratio held at 0.00% and return on assets rose from 5.68% to 6.14%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: Under $100M (578 banks) · Industry averages as of Q2 2026.
CET1 of 58.94% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 32.24% is above the 5% well-capitalized threshold.
Asset quality data not available.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 87.4% is elevated, suggesting cost-to-revenue pressure.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 58.94% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | — | Flags at 3% or above | Not reported |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 0.00% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 0.00% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 58.94% |
| Q1 2026 | 57.18% |
| Q4 2025 | 50.57% |
| Q3 2025 | 49.42% |
| Q2 2025 | 59.35% |
| Q1 2025 | 56.37% |
| Q4 2024 | 52.96% |
| Q3 2024 | 49.68% |
| Q2 2024 | 51.17% |
| Q1 2024 | 49.41% |
| Q4 2023 | 47.24% |
| Q3 2023 | 49.24% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Massmutual Private Wealth & Trust, FSB by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 58.94% | — | 0.00% | 6.14% |
| Mar 31, 2026 | 57.18% | — | 0.00% | 6.15% |
| Dec 31, 2025 | 50.57% | — | 0.00% | 4.01% |
| Sep 30, 2025 | 49.42% | — | 0.00% | 9.80% |
| Jun 30, 2025 | 59.35% | — | 0.00% | 5.68% |
| Mar 31, 2025 | 56.37% | — | 0.00% | 7.68% |
| Dec 31, 2024 | 52.96% | — | 0.00% | 7.18% |
| Sep 30, 2024 | 49.68% | — | 0.00% | 10.45% |
| Jun 30, 2024 | 51.17% | — | 0.00% | 5.83% |
| Mar 31, 2024 | 49.41% | — | 0.00% | 4.00% |
| Dec 31, 2023 | 47.24% | — | 0.00% | -0.28% |
| Sep 30, 2023 | 49.24% | — | 0.00% | 6.57% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Massmutual Private Wealth & Trust, FSB FDIC insured?
Yes. Massmutual Private Wealth & Trust, FSB is an FDIC-insured savings institution (FDIC Certificate #35394). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Massmutual Private Wealth & Trust, FSB well capitalized?
On its Q2 2026 call report, Massmutual Private Wealth & Trust, FSB's CET1 ratio is 58.94%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are Massmutual Private Wealth & Trust, FSB's key safety ratios?
For Q2 2026, Massmutual Private Wealth & Trust, FSB reports CET1 58.94%, leverage 32.24%, Texas ratio 0.00%, noncurrent loans not reported. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Massmutual Private Wealth & Trust, FSB fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.