The Torrington Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
The Torrington Savings Bank is an FDIC-insured savings bank headquartered in Torrington, CT, established in 1868 (FDIC certificate 16636), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.00B, down 2.1% from Q2 2025, the 15th largest of 27 banks headquartered in Connecticut. It reports no CET1 ratio; its Tier 1 leverage ratio was 19.03% 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
- 16636
- Headquarters
- Torrington, CT
- Established
- 1868
- Total assets, Q2 2026
- $1.00B
- Assets vs Q2 2025
- -2.1%
- Tier 1 leverage ratio, Q2 2026
- 19.03%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 211174165
- Latest call report
- Q2 2026, FFIEC 051 · The Torrington Savings Bank call report
- Asset rank in state
- 15th of 27 in Connecticut
The Torrington Savings Bank, based in Torrington, Connecticut, reported $1.0 billion in assets at June 30, 2026, down 2.1% from a year earlier. It returns 3.9% a year on shareholders' equity, about a third the median of 12.6% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it funds 19.03% of its assets with Tier 1 capital, about double the median of 10.52% for banks its size.
Net income for the quarter slipped 12% from a year earlier, to $1.8 million. Costs are the weak spot: it spends about 76 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, The Torrington Savings Bank reported a return on assets of 0.71%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 0.58%. The figures come from its call report filed with the FFIEC.
Of the 27 banks headquartered in Connecticut, The Torrington Savings Bank is the 15th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.7% to $1.00B, loans rose 2.4% and deposits rose 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 61.0% of total loans, ahead of non-owner-occupied commercial real estate loans at 23.3%. Its 9 offices in the FDIC Summary of Deposits are in 6 cities in CT; its Torrington 4 offices book 67% of its branch deposits. On its Q2 2026 call report, The Torrington Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 129 Main St, Torrington, CT 06790
- County
- Northwest Hills
- Metro Area
- Torrington, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 15, 1868
- Former names
- The Torrington Savings Bank (1971)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 134
- Domestic deposits
- $803.2M
- Allowance for credit losses
- $7.0M
- Net charge-offs (YTD)
- $16K
- Average total assets
- $998.3M
- Average total loans
- $793.3M
- Average interest-bearing deposits
- $704.3M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- October 22, 1947
- FDIC Cert
- 16636
- Fed RSSD
- 65205
- Website
- www.torringtonsavings.bank →
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, The Torrington Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Torrington Savings Bank's total assets ranged from $908.9M (Q3 2023) to $1.02B (Q2 2025), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.00B total assets against $1.02B; $817.7M total liabilities against $840.9M.
$799.7M net loans and leases against $790.3M; $803.2M total deposits against $806.0M.
$92.7M securities against $124.8M; $38.3M cash and balances due against $36.6M.
$10.9M total interest income against $10.9M; $3.4M total interest expense against $4.1M.
$7.5M net interest income against $6.7M.
$1.9M total noninterest income against $1.5M; $7.2M total noninterest expense against $6.6M.
$150K provision for credit losses against $149K.
$1.8M net income against $2.0M.
0.71% return on assets against 0.79%; 3.24% net interest margin against 2.83%.
19.03% tier 1 leverage ratio against 18.62%.
Inside the full The Torrington 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
The Torrington Savings Bank rankings
Its closest position to the top of a national ranking is 1,035 of 4,196, for total assets; its furthest is 924 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.59% (Q3 2025) to 0.96% (Q4 2024) and its net interest margin ran from 2.50% (Q4 2024) to 3.24% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.03% | 0.71% | 0.14% | 0.58% | 3.24% |
| Q1 2026 | 18.90% | 0.59% | 0.13% | 0.56% | 3.09% |
| Q4 2025 | 18.65% | 0.57% | 0.14% | 0.58% | 3.05% |
| Q3 2025 | 18.19% | -1.59% | 0.20% | 0.82% | 2.95% |
| Q2 2025 | 18.62% | 0.79% | 0.18% | 0.77% | 2.83% |
| Q1 2025 | 18.84% | -0.31% | 0.19% | 0.78% | 2.63% |
| Q4 2024 | 19.23% | 0.96% | 0.19% | 0.76% | 2.50% |
| Q3 2024 | 19.53% | 0.73% | 0.21% | 0.81% | 2.51% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| Dibble Street Branch | Torrington , CT | 06790 | $233.1M |
| The Torrington Savings Bank | Torrington , CT | 06790 | $169.3M |
| North End Branch | Torrington , CT | 06790 | $138.2M |
| Burlington Branch | Burlington , CT | 06013 | $81.4M |
| Goshen Branch | Goshen , CT | 06756 | $56.9M |
| New Hartford Branch | New Hartford , CT | 06057 | $54.6M |
| Falls Village Branch | Falls Village , CT | 06031 | $37.2M |
| Bristol Branch | Bristol , CT | 06010 | $32.3M |
| Church Street Trust Branch | Torrington , CT | 06790 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 16, 1971 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 16, 1971 | Structure Change | Acquired Falls Village Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in CT, rank 26 of 46 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $540K approved, $180K 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, Mortgage lending (HMDA), 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 The Torrington Savings Bank
What are The Torrington Savings Bank's total assets?
As of the Q2 2026 filing, The Torrington Savings Bank reported total assets of $1.00 billion in its FFIEC call report.
Where is The Torrington Savings Bank headquartered?
It is headquartered in Torrington, CT, United States.
When was The Torrington Savings Bank founded?
It was established in 1868, per the FDIC institution directory.
Is The Torrington Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #16636). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Torrington Savings Bank?
The Torrington Savings Bank's primary federal regulator is the FDIC.
How many branches does The Torrington Savings Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Torrington Savings Bank's Texas Ratio?
Its Texas Ratio is 0.58% 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.
What was The Torrington Savings Bank previously called?
The charter now named The Torrington Savings Bank has also operated as The Torrington Savings Bank (1971), per FDIC structure-change records.
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