Thomaston Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Thomaston Savings Bank is an FDIC-insured savings bank headquartered in Thomaston, CT, established in 1874 (FDIC certificate 18258), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.93B, up 3.9% from Q2 2025, the 6th largest of 27 banks headquartered in Connecticut. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.68% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18258
- Headquarters
- Thomaston, CT
- Established
- 1874
- Total assets, Q2 2026
- $1.93B
- Assets vs Q2 2025
- +3.9%
- Tier 1 leverage ratio, Q2 2026
- 10.68%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 211174259
- Latest call report
- Q2 2026, FFIEC 051 · Thomaston Savings Bank call report
- Asset rank in state
- 6th of 27 in Connecticut
Little in Thomaston Savings Bank's latest call report stands out. Its balance sheet stood at $1.9 billion at June 30, 2026, up 3.9% from a year earlier; it is based in Thomaston, Connecticut. On most measures it sits near the middle of the 895 banks with $1 billion to $10 billion in assets.
Earnings jumped: net income for the quarter was $5.3 million, 37% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $39 million equal 19% of Tier 1 capital, down from 25% a year earlier.
As of June 30, 2026, Thomaston Savings Bank reported a return on assets of 1.08%, a nonperforming-loan ratio of 0.65% and a Texas ratio of 4.84%. The figures come from its call report filed with the FFIEC.
Of the 27 banks headquartered in Connecticut, Thomaston Savings Bank is the 6th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.5% to $1.93B, loans rose 0.4% and deposits rose 1.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 37.6% of total loans, followed by non-owner-occupied commercial real estate loans at 25.4%. The FDIC Summary of Deposits lists 16 offices for it, in 13 cities in CT; its Thomaston 2 offices book 16% of its branch deposits. Judged on its Q2 2026 call report, Thomaston Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 203 Main St, Thomaston, CT 06787
- County
- Naugatuck Valley
- Metro Area
- Waterbury-Shelton, 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
- —
- Call Report form
- FFIEC 051
- Established
- October 1, 1874
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 227
- Domestic deposits
- $1.69B
- Allowance for credit losses
- $14.2M
- Net charge-offs (YTD)
- $257K
- Average total assets
- $1.95B
- Average total loans
- $1.43B
- Average interest-bearing deposits
- $1.15B
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- July 1, 1960
- FDIC Cert
- 18258
- Fed RSSD
- 120609
- Website
- www.thomastonsavingsbank.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Thomaston Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Thomaston Savings Bank's total assets ran between $1.76B (Q3 2023) and $1.93B (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
$1.93B total assets against $1.86B; $1.75B total liabilities against $1.71B.
$1.42B net loans and leases against $1.33B; $1.69B total deposits against $1.62B.
$341.5M securities against $349.9M; $66.8M cash and balances due against $78.5M.
$22.6M total interest income against $20.8M; $6.6M total interest expense against $7.5M.
$16.0M net interest income against $13.2M.
$3.4M total noninterest income against $2.8M; $12.3M total noninterest expense against $11.1M.
$750K provision for credit losses against $200K.
$5.3M net income against $3.8M.
1.08% return on assets against 0.82%; 3.46% net interest margin against 2.98%.
10.68% tier 1 leverage ratio against 10.09%.
Inside the full Thomaston 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Thomaston Savings Bank rankings
Its closest position to the top of a national ranking is 610 of 4,196, for total assets; its furthest is 671 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.53% (Q3 2024) to 1.08% (Q2 2026) and its net interest margin ran from 2.65% (Q3 2024) to 3.46% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.68% | 1.08% | 0.65% | 4.84% | 3.46% |
| Q1 2026 | 10.43% | 1.02% | 0.65% | 5.02% | 3.28% |
| Q4 2025 | 10.24% | 0.90% | 0.62% | 4.87% | 3.18% |
| Q3 2025 | 10.19% | 0.74% | 0.61% | 4.73% | 3.10% |
| Q2 2025 | 10.09% | 0.82% | 0.63% | 4.96% | 2.98% |
| Q1 2025 | 9.93% | 0.59% | 0.53% | 4.28% | 2.77% |
| Q4 2024 | 9.72% | 0.58% | 0.68% | 5.78% | 2.75% |
| Q3 2024 | 9.67% | 0.53% | 0.75% | 6.12% | 2.65% |
Swipe the table sideways to see every column.
Branch Network
View all 16 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 |
|---|---|---|---|
| Thomaston Savings Bank (main office) | Thomaston , CT | 06787 | $189.2M |
| Harwinton Branch | Harwinton , CT | 06791 | $162.5M |
| Middle Street Branch | Bristol , CT | 06010 | $161.0M |
| Watertown Branch | Watertown , CT | 06795 | $159.9M |
| Terryville Branch | Terryville , CT | 06786 | $120.0M |
| Farmington Branch | Farmington , CT | 06032 | $116.9M |
| Waterbury Branch | Waterbury , CT | 06708 | $109.3M |
| Middlebury Branch | Middlebury , CT | 06762 | $105.5M |
| Farmington Avenue Bristol Branch | Bristol , CT | 06010 | $99.3M |
| Highland Avenue Waterbury Branch | Waterbury , CT | 06708 | $98.5M |
| Bethlehem Branch | Bethlehem , CT | 06751 | $91.7M |
| South Main Street Branch | Thomaston , CT | 06787 | $88.9M |
| Wolcott Branch | Wolcott , CT | 06716 | $77.9M |
| Unionville Branch Office | Unionville , CT | 06085 | $43.8M |
| New Britain Branch | New Britain , CT | 06052 | $32.9M |
| Oakville Branch | Oakville , CT | 06779 | $31.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in CT, rank 16 of 46 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 832 applications, 621 loans originated, $148.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $1.4M approved, $356K 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, 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 Thomaston Savings Bank
What are Thomaston Savings Bank's total assets?
As of the Q2 2026 filing, Thomaston Savings Bank reported total assets of $1.93 billion in its FFIEC call report.
Where is Thomaston Savings Bank headquartered?
It is headquartered in Thomaston, CT, United States.
When was Thomaston Savings Bank founded?
It was established in 1874, per the FDIC institution directory.
Is Thomaston Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #18258). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Thomaston Savings Bank?
Thomaston Savings Bank's primary federal regulator is the FDIC.
How many branches does Thomaston Savings Bank operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Thomaston Savings Bank's Texas Ratio?
Its Texas Ratio is 4.84% 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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