The Torrington Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 19.03% +10.03 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $190.0M | 189,987 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $998.3M | 998,315 | RCOAA224 |
| Recomputed ratio | 19.03% | numerator / denominator | |
| Filed ratio | 19.03% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +10.03 pp | $100.1M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | RCOAP742 |
| Retained earnings | 189,005 | 187,235 | 185,777 | 184,351 | 188,398 | 186,390 | RCOAKW00 |
| Accumulated other comprehensive income | (6,446) | (6,250) | (6,138) | (6,725) | (7,190) | (7,599) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 183,559 | 181,985 | 180,639 | 178,626 | 182,208 | 179,791 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 6,428 | 6,233 | 6,119 | 6,706 | 7,170 | 7,599 | P859 - P840 |
| Common equity Tier 1 capital | 189,987 | 188,218 | 186,758 | 185,332 | 189,378 | 187,390 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 189,987 | 188,218 | 186,758 | 185,332 | 189,378 | 187,390 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 998,315 | 996,098 | 1,001,537 | 1,018,637 | 1,016,963 | 994,408 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 19.03% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | CBLR | NA | NA | NA | 18.90% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | CBLR | NA | NA | NA | 18.65% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | CBLR | NA | NA | NA | 18.19% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | CBLR | NA | NA | NA | 18.62% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | CBLR | NA | NA | NA | 18.84% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | CBLR | NA | NA | NA | 19.23% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | CBLR | NA | NA | NA | 19.53% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | CBLR | NA | NA | NA | 19.66% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | CBLR | NA | NA | NA | 19.77% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | CBLR | NA | NA | NA | 19.82% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | CBLR | NA | NA | NA | 19.66% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| The Torrington Savings Bank (this bank) | CBLR | NA | NA | NA | 19.03% | |
| Golden State Bank | $1.00B | CBLR | NA | NA | NA | 11.04% |
| Kirkpatrick Bank | $1.00B | Risk-based | 15.28% | 15.28% | 16.54% | 10.67% |
| Jonestown Bank and Trust Company of Jonestown, Pennsylvania | $1.01B | CBLR | NA | NA | NA | 10.24% |
| Adirondack Bank | $1.01B | Risk-based | 11.76% | 11.76% | 12.54% | 7.25% |
| Adams Community Bank | $1.01B | Risk-based | 16.33% | 16.33% | 17.16% | 10.34% |
| Maplemark Bank | $1.01B | Risk-based | 14.14% | 14.14% | 15.39% | 11.63% |
| Cornerstone National Bank & Trust Company | $1.01B | Risk-based | 11.97% | 11.97% | 13.10% | 10.36% |
| Pioneer Bank & Trust | $1.01B | Risk-based | 18.59% | 18.59% | 19.60% | 11.61% |
| Story Bank dba Story Financial Partners | $1.01B | Risk-based | 12.23% | 12.23% | 13.24% | 10.81% |
| The Port Washington State Bank | $1.01B | Risk-based | 11.93% | 11.93% | 12.84% | 8.97% |
| Peer 25th percentile | 11.96% | 11.96% | 13.04% | 10.26% | ||
| Peer median | 13.18% | 13.18% | 14.31% | 10.51% | ||
| Peer 75th percentile | 15.54% | 15.54% | 16.70% | 10.98% | ||
| This bank's percentile | NA | NA | NA | 100 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/65205/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.