The Torrington 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.
Cre concentration (tier 1 capital + allowance) climbed 9.54 percentage points in Q2 2026, from 117.58% to 127.12%. 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 median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Torrington Savings Bank sits 12.24 points higher, at 100.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $806.7M |
| Net loans and leases | $799.7M |
| Loans held for sale | $0 |
| Loans to total assets | 80.56% |
| Loan-to-deposit ratio | 100.44% |
| Net loans to equity capital | 4.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.87% |
| Multifamily (5+ residential) | 5.97% |
| Commercial and industrial | 1.21% |
| Consumer | 0.10% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 127.12% |
| Construction concentration (Tier 1 capital + allowance) | 7.44% |
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 | 5.02% |
| Interest income on loans | $9.9M |
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 | $626.5M | $722.3M | 15.66% | 0.57% | 0.13% |
| Q4 2023 | $657.0M | $733.8M | 18.27% | 0.72% | 0.11% |
| Q1 2024 | $668.7M | $750.6M | 20.10% | 0.72% | 0.10% |
| Q2 2024 | $693.4M | $744.4M | 20.62% | 0.87% | 0.10% |
| Q3 2024 | $713.6M | $724.7M | 20.46% | 0.88% | 0.10% |
| Q4 2024 | $741.0M | $755.7M | 21.28% | 0.79% | 0.10% |
| Q1 2025 | $754.8M | $776.8M | 23.20% | 0.79% | 0.09% |
| Q2 2025 | $796.6M | $806.0M | 25.67% | 0.93% | 0.10% |
| Q3 2025 | $763.1M | $777.6M | 27.45% | 0.67% | 0.12% |
| Q4 2025 | $780.6M | $808.1M | 30.28% | 0.68% | 0.10% |
| Q1 2026 | $788.0M | $796.8M | 30.71% | 0.68% | 0.11% |
| Q2 2026 | $806.7M | $803.2M | 29.87% | 1.21% | 0.10% |
The Torrington Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Torrington 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 The Torrington Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16636) · FFIEC NIC profile (RSSD 65205)