Thomaston Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Thomaston Savings Bank of Thomaston, CT against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.08% | 1.46% | -0.38% | 35th below |
| ROAE | 11.83% | 12.72% | -0.89% | 47th below |
| Net Interest Margin | 3.46% | 3.85% | -0.39% | 33rd below |
| Efficiency Ratio | 63.23% | 57.40% | +5.83% | 35th below |
| PPNR / Avg Assets | 1.45% | 1.88% | -0.43% | 34th below |
| Yield on Earning Assets | 4.89% | 5.72% | -0.83% | 16th bottom |
| Cost of Funds | 1.53% | 2.02% | -0.49% | 79th top |
| Net Interest Spread | 2.70% | 3.18% | -0.48% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.80% | 1.00% | -0.20% | 40th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.61% | 0.76% | -0.15% | 42nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.43% | -0.36% | 37th below |
| ACL / Total Loans | 0.99% | 1.31% | -0.32% | 29th below |
| ACL / NPLs (Coverage) | 124.33% | 543.67% | -419.34% | 38th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.01% | 7.39% | -1.38% | 41st below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 595.33% | 618.62% | -23.29% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.68% | 11.44% | -0.76% | 54th above |
| Equity / Assets | 9.40% | 11.34% | -1.94% | 30th below |
| TCE / Tangible Assets | 9.40% | 10.50% | -1.10% | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.81% | 86.95% | -2.14% | 59th above |
| Core Deposit Ratio | 90.04% | 85.55% | +4.49% | 58th above |
| Uninsured Deposit Ratio | 26.27% | 33.13% | -6.86% | 68th above |
| Wholesale Funding Ratio | 2.42% | 5.71% | -3.29% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.90% | 9.69% | -5.79% | 41st below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.06% | 8.06% | -1.00% | 58th above |
| Deposit Growth (Y/Y) | 4.08% | 7.87% | -3.79% | 45th below |
See Thomaston Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Thomaston Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Thomaston Savings Bank profile, how to read a UBPR, or how this data updates.