Thomaston Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Commercial real estate (nonfarm nonresidential): 1.55 percentage points higher than in Q1 2026, at 39.34%. Within Connecticut, Thomaston Savings Bank is 21st of 27 on loan-to-deposit ratio, 84.81% as of Q2 2026, below the middle of the field. Thomaston Savings Bank reported 84.81% on loan-to-deposit ratio for Q2 2026, 3.39 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.43B |
| Net loans and leases | $1.42B |
| Loans held for sale | $0 |
| Loans to total assets | 74.03% |
| Loan-to-deposit ratio | 84.81% |
| Net loans to equity capital | 7.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.34% |
| Multifamily (5+ residential) | 5.23% |
| Commercial and industrial | 9.48% |
| Consumer | 2.44% |
| Credit cards | 0.00% |
| Farm | 0.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 233.46% |
| Construction concentration (Tier 1 capital + allowance) | 36.50% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.63% |
| Interest income on loans | $20.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.17B | $1.55B | 37.05% | 9.81% | 3.61% |
| Q4 2023 | $1.23B | $1.56B | 36.79% | 9.66% | 3.40% |
| Q1 2024 | $1.26B | $1.58B | 36.30% | 10.03% | 3.27% |
| Q2 2024 | $1.28B | $1.60B | 35.12% | 10.35% | 3.12% |
| Q3 2024 | $1.29B | $1.60B | 36.74% | 9.85% | 2.93% |
| Q4 2024 | $1.31B | $1.60B | 37.47% | 9.72% | 2.76% |
| Q1 2025 | $1.32B | $1.61B | 37.95% | 9.90% | 2.61% |
| Q2 2025 | $1.34B | $1.62B | 38.33% | 9.54% | 2.48% |
| Q3 2025 | $1.37B | $1.62B | 38.32% | 9.56% | 2.24% |
| Q4 2025 | $1.42B | $1.66B | 37.71% | 9.35% | 2.84% |
| Q1 2026 | $1.43B | $1.67B | 37.79% | 10.04% | 2.66% |
| Q2 2026 | $1.43B | $1.69B | 39.34% | 9.48% | 2.44% |
Thomaston Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Thomaston Savings Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Thomaston Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18258) · FFIEC NIC profile (RSSD 120609)