BlastPoint's Banking Scorecard
The Torrington Savings Bank
Designations: ✓ Community bank ✓ Mutual
Torrington, CT
10 branches across CT
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 15 in CT.
- Deposits -0.4% year over year ($803.2M on the books).
- Delinquency rate 0.14%.
- Return on assets 0.64%.
- Efficiency ratio 76.83% vs a 59.73% peer average.
- Loan-to-deposit ratio 99.56% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Torrington Savings Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 38.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 20.3% in tier
- - Liquidity Strain: Bottom 27.7% in tier
- - Efficiency Ratio 17.10% above tier average
- - ROA 0.75% below tier average
- - Net Interest Margin 0.69% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
-2.1% YoY
+0.7% QoQ
|
-$1.8B |
$2.8B
-0.6% YoY
|
$4.8B
+5.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 0.2% in tier |
| Total Loans ? |
$799.7M
+1.2% YoY
+2.4% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 14.5% in tier |
| Total Deposits ? |
$803.2M
-0.4% YoY
+0.8% QoQ
|
-$1.5B |
$2.3B
-0.5% YoY
|
$3.9B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
Bottom 1.8% in tier |
| Return on Assets ? |
0.64%
+161.1% YoY
+10.8% QoQ
|
-0.75% |
1.39%
+17.0% YoY
|
1.11%
+57.7% YoY
|
1.30%
+12.1% YoY
|
Bottom 11.5% in tier |
| Net Interest Margin ? |
3.18%
+14.0% YoY
+2.5% QoQ
|
-0.69% |
3.87%
+6.2% YoY
|
3.44%
+11.6% YoY
|
3.95%
+4.9% YoY
|
21% |
| Efficiency Ratio ? |
76.83%
-12.4% YoY
-1.7% QoQ
|
+17.10% |
59.73%
-12.6% YoY
|
72.27%
-70.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 9.6% in tier |
| Delinquency Rate ? |
0.14%
-24.4% YoY
+10.2% QoQ
|
-0.73% |
0.87%
+11.7% YoY
|
0.70%
-4.9% YoY
|
0.98%
+16.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
99.56%
+1.5% YoY
+1.5% QoQ
|
+14.53% |
85.04%
-0.1% YoY
|
91.71%
+1.4% YoY
|
79.03%
+2.3% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
11.69%
+15.1% YoY
+7.4% QoQ
|
-9.58% |
21.27%
-1.5% YoY
|
22.06%
+1.6% YoY
|
21.98%
-0.6% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.11%
-21.9% YoY
+4.3% QoQ
|
-0.56% |
0.67%
+11.7% YoY
|
0.53%
-3.6% YoY
|
0.69%
+15.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
19.03%
+2.2% YoY
+0.7% QoQ
|
+4.19% |
14.84%
-0.4% YoY
|
14.05%
-0.0% YoY
|
17.09%
+0.8% YoY
|
Top 9.2% in tier |
| Non-Interest Income / Assets ? |
0.35%
+25.0% YoY
+119.0% QoQ
|
-0.17% |
0.53%
+2.5% YoY
|
0.35%
+5.1% YoY
|
0.66%
+5.2% YoY
|
63% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
11.7%
+1.5pp YoY +0.8pp QoQ |
-9.7pp | 21.4% | 22.1% | 22.2% | 15% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.1% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.2%
+0.3pp YoY +0.5pp QoQ |
-12.8pp | 14.0% | 11.4% | 12.5% | 3% |
| CRE |
38.0%
+2.0pp YoY -0.5pp QoQ |
-12.0pp | 50.0% | 42.4% | 41.4% | 20% |
| 1-4 Family |
61.6%
-2.2pp YoY 0.0pp QoQ |
+35.1pp | 26.4% | 42.2% | 31.3% | 95% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.6pp | 4.7% | 4.1% | 5.0% | 13% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 15.0% | 19.7% | n/a |
| Leverage Ratio |
19.0%
+0.4pp YoY +0.1pp QoQ |
+7.7pp | 11.3% | 12.7% | 12.6% | 97% |
| Total Capital Ratio | n/a | n/a | 16.7% | 16.0% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
134
+4 (+3.1%) YoY +4 (+3.1%) QoQ |
-180 | 313 | 342 | 482 | 18% |
| Assets per Employee ($) |
$7.5M
-5.1% YoY -2.3% QoQ |
-$3.0M | $10.5M | $9.9M | $8.8M | 30% |
| Branch Count |
10
0 YoY 0 QoQ |
-10 | 20 | 19 | 18 | 29% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 0.8% | 0.7% | 1.0% | 15% |
| Allowance Coverage |
6.32x
+46.6% YoY -8.6% QoQ |
-12.39x | 18.71x | 4.87x | 20.23x | 82% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 24% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.5%
+2.2pp YoY +0.3pp QoQ |
-9.0pp | 12.6% | 8.2% | 11.6% | 5% |
| Cost of Funds (YTD) |
1.5%
-0.3pp YoY 0.0pp QoQ |
-0.4pp | 1.9% | 1.7% | 1.7% | 23% |
| Net Income ($, YTD) |
$3.2M
+162.2% YoY — QoQ |
-$16.0M | $19.2M | $28.0M | $40.4M | 6% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.