The Torrington Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Torrington Savings Bank of Torrington, 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 | 0.71% | 1.46% | -0.75% | 15th bottom |
| ROAE | 3.87% | 12.72% | -8.85% | 7th bottom |
| Net Interest Margin | 3.24% | 3.85% | -0.61% | 24th bottom |
| Efficiency Ratio | 75.60% | 57.40% | +18.20% | 11th bottom |
| PPNR / Avg Assets | 0.93% | 1.88% | -0.95% | 13th bottom |
| Yield on Earning Assets | 4.71% | 5.72% | -1.01% | 11th bottom |
| Cost of Funds | 1.71% | 2.02% | -0.31% | 69th above |
| Net Interest Spread | 2.81% | 3.18% | -0.37% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 1.00% | -0.86% | 86th top |
| NPA / Total Assets | 0.11% | 0.76% | -0.65% | 85th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 69th above |
| ACL / Total Loans | 0.87% | 1.31% | -0.44% | 17th bottom |
| ACL / NPLs (Coverage) | 632.22% | 543.32% | +88.90% | 85th top |
| Texas Ratio | 0.58% | 7.39% | -6.81% | 91st top |
| Provision / NCO | 2093.75% | 617.93% | +1475.82% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 19.03% | 11.43% | +7.60% | 97th top |
| Equity / Assets | 18.33% | 11.33% | +7.00% | 97th top |
| TCE / Tangible Assets | 18.33% | 10.50% | +7.83% | 97th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.44% | 86.95% | +13.49% | 17th bottom |
| Core Deposit Ratio | 93.09% | 85.55% | +7.54% | 75th top |
| Uninsured Deposit Ratio | 11.80% | 33.13% | -21.33% | 95th top |
| Wholesale Funding Ratio | 0.61% | 5.71% | -5.10% | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.14% | 9.69% | -11.83% | 8th bottom |
| Loan Growth (Y/Y) | 1.27% | 8.06% | -6.79% | 24th bottom |
| Deposit Growth (Y/Y) | -0.35% | 7.87% | -8.22% | 17th bottom |
See The Torrington Savings Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Torrington 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 The Torrington Savings Bank profile, how to read a UBPR, or how this data updates.