Thomaston Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 22.28 percentage points in Q2 2026, from 146.61% to 124.33%. It was the largest change from Q1 2026 among the key lines here. Within Connecticut, Thomaston Savings Bank is 10th of 27 on return on assets, 1.08% as of Q2 2026, above the middle of the field. Thomaston Savings Bank reported 1.08% on return on assets for Q2 2026, 0.19 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.68% |
| Equity capital to assets | 9.40% |
| Tangible equity to tangible assets | 9.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.80% |
| Non-performing assets ratio | 0.61% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 6.01% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 124.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.08% |
| Return on equity | 11.83% |
| Net interest margin | 3.46% |
| Efficiency ratio | 63.23% |
| Yield on earning assets | 4.89% |
| Cost of funds | 1.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.81% |
| Core deposits to total deposits | 90.04% |
| Brokered deposits to total deposits | 0.39% |
| Deposits to assets | 87.29% |
| Securities to assets | 17.65% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.42% | 0.23% | 2.80% | 1.38% | 0.17% |
| Q4 2023 | 9.46% | 0.61% | 2.83% | 0.54% | -0.02% |
| Q1 2024 | 9.50% | 0.39% | 2.63% | 0.57% | 0.06% |
| Q2 2024 | 9.57% | 0.48% | 2.62% | 0.64% | 0.01% |
| Q3 2024 | 9.67% | 0.53% | 2.65% | 0.78% | 0.08% |
| Q4 2024 | 9.72% | 0.58% | 2.75% | 0.70% | 0.13% |
| Q1 2025 | 9.93% | 0.59% | 2.77% | 0.55% | -0.05% |
| Q2 2025 | 10.09% | 0.82% | 2.98% | 0.65% | 0.05% |
| Q3 2025 | 10.19% | 0.74% | 3.10% | 0.66% | 0.02% |
| Q4 2025 | 10.24% | 0.90% | 3.18% | 0.65% | 0.03% |
| Q1 2026 | 10.43% | 1.02% | 3.28% | 0.65% | 0.00% |
| Q2 2026 | 10.68% | 1.08% | 3.46% | 0.80% | 0.07% |
Thomaston Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Thomaston Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)