The Torrington Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 21.01 percentage points higher than in Q1 2026, at 632.22%. The Torrington Savings Bank ranks 19th of 27 Connecticut banks on return on assets, in the lower half at 0.71% (Q2 2026). The Torrington Savings Bank reported 0.71% on return on assets for Q2 2026, 0.57 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 19.03% |
| Equity capital to assets | 18.33% |
| Tangible equity to tangible assets | 18.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.14% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.58% |
| Allowance for credit losses to loans | 0.87% |
| Reserve coverage of non-performing loans | 632.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.71% |
| Return on equity | 3.87% |
| Net interest margin | 3.24% |
| Efficiency ratio | 75.60% |
| Yield on earning assets | 4.71% |
| Cost of funds | 1.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.44% |
| Core deposits to total deposits | 93.09% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.21% |
| Securities to assets | 9.26% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 19.66% | 0.30% | 2.83% | 0.27% | 0.01% |
| Q4 2023 | 19.82% | 1.42% | 2.60% | 0.21% | 0.12% |
| Q1 2024 | 19.77% | -0.02% | 2.61% | 0.20% | 0.00% |
| Q2 2024 | 19.66% | -0.07% | 2.57% | 0.18% | 0.00% |
| Q3 2024 | 19.53% | 0.73% | 2.51% | 0.21% | 0.00% |
| Q4 2024 | 19.23% | 0.96% | 2.50% | 0.19% | 0.00% |
| Q1 2025 | 18.84% | -0.31% | 2.63% | 0.23% | -0.01% |
| Q2 2025 | 18.62% | 0.79% | 2.83% | 0.20% | 0.00% |
| Q3 2025 | 18.19% | -1.59% | 2.95% | 0.17% | 0.00% |
| Q4 2025 | 18.65% | 0.57% | 3.05% | 0.14% | 0.00% |
| Q1 2026 | 18.90% | 0.59% | 3.09% | 0.14% | 0.00% |
| Q2 2026 | 19.03% | 0.71% | 3.24% | 0.14% | 0.00% |
The Torrington Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Torrington Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)