The Torrington Savings Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Other borrowed money dropped 24.8% in Q2 2026, from $8.1M to $6.1M. It was the largest change from Q1 2026 among the key lines here. Within Connecticut, The Torrington Savings Bank is 10th of 27 on loan-to-deposit ratio, 100.44% as of Q2 2026, above the middle of the field. The Torrington Savings Bank reported 100.44% on loan-to-deposit ratio for Q2 2026, 12.24 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $38.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $131.0M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $6.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.61% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.44% |
| Net loans and leases to deposits | 99.56% |
| Loans and leases to core deposits | 107.89% |
| Core deposits to total deposits | 93.09% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 86.74% | 95.37% | $0 | $11.2M |
| Q4 2023 | 89.54% | 94.99% | $0 | $1.2M |
| Q1 2024 | 89.08% | 94.63% | $0 | $1.2M |
| Q2 2024 | 93.15% | 94.21% | $0 | $6.2M |
| Q3 2024 | 98.46% | 93.57% | $0 | $46.1M |
| Q4 2024 | 98.05% | 93.64% | $0 | $34.1M |
| Q1 2025 | 97.16% | 91.85% | $0 | $31.1M |
| Q2 2025 | 98.83% | 90.19% | $0 | $26.1M |
| Q3 2025 | 98.14% | 92.76% | $0 | $16.1M |
| Q4 2025 | 96.61% | 92.95% | $0 | $16.1M |
| Q1 2026 | 98.90% | 92.83% | $0 | $8.1M |
| Q2 2026 | 100.44% | 93.09% | $0 | $6.1M |
The Torrington Savings Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Torrington Savings Bank, freeSource: Call Report Schedules RC and RC-M, 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 The Torrington Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16636) · FFIEC NIC profile (RSSD 65205)