The Torrington Savings Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Founded in 1868, The Torrington Savings Bank is among the oldest continuously operating FDIC-insured banks, headquartered in Torrington, CT. Total assets stand at $1.0B. Earnings are mid-range, 0.71% ROA and a 3.24% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 19.03% exceeds the CBLR threshold. Credit metrics are pristine, with nonperforming loans at just 0.14%. 10 branches make up the footprint.
As of June 30, 2026, The Torrington Savings Bank reported a Tier 1 leverage ratio of 19.03%, a return on assets of 0.71%, a nonperforming-loan ratio of 0.14%, a Texas ratio of 0.58%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 129 Main St, Torrington, CT 06790
- County
- Northwest Hills
- Metro Area
- Torrington, CT
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 15, 1868
- Former names
- The Torrington Savings Bank (1971)
- Offices
- 10 domestic
- Employees (FTE)
- 134
- Domestic deposits
- $803.2M
- Allowance for credit losses
- $7.0M
- Net charge-offs (YTD)
- $16K
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- October 22, 1947
- FDIC Cert
- 16636
- Fed RSSD
- 65205
- Website
- www.torringtonsavings.bank →
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Torrington Savings Bank terminal
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Unlock The Torrington Savings Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
The Torrington Savings Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.03% | 0.71% | 0.14% | 0.58% | 3.24% |
| Q1 2026 | 18.90% | 0.59% | 0.14% | 0.63% | 3.09% |
| Q4 2025 | 18.65% | 0.57% | 0.14% | 0.58% | 3.05% |
| Q3 2025 | 18.19% | -1.59% | 0.17% | 0.82% | 2.95% |
| Q2 2025 | 18.62% | 0.79% | 0.20% | 0.86% | 2.83% |
| Q1 2025 | 18.84% | -0.31% | 0.23% | 0.94% | 2.63% |
| Q4 2024 | 19.23% | 0.96% | 0.19% | 0.76% | 2.50% |
| Q3 2024 | 19.53% | 0.73% | 0.21% | 0.89% | 2.51% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 9 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Dibble Street Branch | Torrington , CT | 06790 | $233.1M |
| The Torrington Savings Bank | Torrington , CT | 06790 | $169.3M |
| North End Branch | Torrington , CT | 06790 | $138.2M |
| Burlington Branch | Burlington , CT | 06013 | $81.4M |
| Goshen Branch | Goshen , CT | 06756 | $56.9M |
| New Hartford Branch | New Hartford , CT | 06057 | $54.6M |
| Falls Village Branch | Falls Village , CT | 06031 | $37.2M |
| Bristol Branch | Bristol , CT | 06010 | $32.3M |
| Church Street Trust Branch | Torrington , CT | 06790 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 16, 1971 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 16, 1971 | Structure Change | Acquired Falls Village Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for The Torrington Savings Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in CT, rank 26 of 49 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Torrington Savings Bank
What are The Torrington Savings Bank's total assets?
As of the Q2 2026 filing, The Torrington Savings Bank reported total assets of $1.00 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Torrington Savings Bank headquartered?
The Torrington Savings Bank is headquartered in Torrington, CT, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Torrington Savings Bank founded?
The Torrington Savings Bank was established in 1868, per the FDIC institution directory.
Is The Torrington Savings Bank FDIC-insured?
Yes. The Torrington Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #16636). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Torrington Savings Bank?
The Torrington Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does The Torrington Savings Bank operate?
The Torrington Savings Bank operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Torrington Savings Bank's Texas Ratio?
The Torrington Savings Bank's Texas Ratio is 0.58% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Torrington Savings Bank previously called?
The charter now named The Torrington Savings Bank has also operated as The Torrington Savings Bank (1971), per FDIC structure-change records.
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