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The Torrington Savings Bank

$100M-$1B Specialty: Commercial CT FDIC cert 16636

Designations: ✓ Mutual

Torrington, CT

10 branches across CT

2664 banks in the $100M-$1B peer group nationally 12 in CT
View $100M-$1B leaderboard (CT) →

The Torrington Savings Bank has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 12.3% in tier
  • - Liquidity Overhang: Bottom 18.3% in tier
  • - Liquidity Strain: Bottom 39.8% in tier
  • - ROA 0.69% below tier average
  • - Net Interest Margin 0.83% below tier average
  • - Efficiency Ratio 12.87% above tier average
Get updates when The Torrington Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Total Assets ? $994.0M
-0.1% YoY -2.0% QoQ
+$607.9M $386.1M
+0.5% YoY
$4.6B
+6.9% YoY
$6.2B
+9.1% YoY
Top 0.2% in tier
Total Loans ? $781.2M
+4.3% YoY +0.9% QoQ
+$525.5M $255.7M
+1.1% YoY
$3.2B
+8.3% YoY
$3.2B
+10.8% YoY
Top 0.6% in tier
Total Deposits ? $796.8M
+2.6% YoY -1.4% QoQ
+$468.8M $328.0M
+0.1% YoY
$3.7B
+5.9% YoY
$4.8B
+8.2% YoY
Top 2.5% in tier
Return on Assets ? 0.58%
+284.4% YoY +517.2% QoQ
-0.69% 1.27%
+12.9% YoY
0.98%
+59.4% YoY
1.23%
+13.4% YoY
15%
Net Interest Margin ? 3.10%
+15.3% YoY +5.7% QoQ
-0.83% 3.93%
+6.0% YoY
3.30%
+11.1% YoY
3.89%
+5.7% YoY
Bottom 14.3% in tier
Efficiency Ratio ? 78.16%
-17.5% YoY -26.6% QoQ
+12.87% 65.29%
-4.5% YoY
74.04%
-0.3% YoY
66.95%
-4.1% YoY
18%
Delinquency Rate ? 0.13%
-34.5% YoY -10.8% QoQ
-0.76% 0.89%
+18.8% YoY
0.76%
+15.1% YoY
0.95%
+18.8% YoY
71%
Loan-to-Deposit Ratio ? 98.04%
+1.7% YoY +2.4% QoQ
+21.41% 76.64%
+0.8% YoY
87.65%
+0.6% YoY
76.70%
+0.9% YoY
Bottom 10.9% in tier
Non-Interest-Bearing Deposit Share ? 10.89%
+14.2% YoY +2.1% QoQ
-11.13% 22.02%
-1.0% YoY
20.48%
-2.9% YoY
22.01%
-1.2% YoY
Bottom 12.4% in tier
Nonperforming Asset Ratio ? 0.11%
-26.6% YoY -1.5% QoQ
-0.53% 0.64%
+19.7% YoY
0.54%
+14.2% YoY
0.67%
+19.3% YoY
70%
Tier 1 Capital Ratio ? 18.90%
+0.3% YoY +1.3% QoQ
+3.07% 15.83%
+1.5% YoY
15.66%
+1.9% YoY
17.06%
+0.8% YoY
84%
Non-Interest Income / Assets ? 0.16%
+11.6% YoY +201.7% QoQ
-0.12% 0.28%
+9.3% YoY
0.74%
+3.6% YoY
0.32%
+4.1% YoY
77%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Flatlined Growth

risk
#64 of 512 • Bottom 12.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.58%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 banks QoQ

Liquidity Overhang

risk
#136 of 739 • Bottom 18.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.90%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 98.04%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#257 of 643 • Bottom 39.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 98.04%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

5
Total Assets
size
Value: $994.02M
Peer Median: $386.08M
#5 of 2664 Top 0.2% in $100M-$1B
18
Total Loans
size
Value: $781.18M
Peer Median: $255.72M
#18 of 2664 Top 0.6% in $100M-$1B
68
Total Deposits
size
Value: $796.75M
Peer Median: $327.97M
#68 of 2664 Top 2.5% in $100M-$1B
427
Tier 1 Capital Ratio
capital
Value: 18.90%
Peer Median: 15.83%
#427 of 2664 Top 16.0% in $100M-$1B
606
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.28%
#606 of 2664 Top 22.7% in $100M-$1B

Top Weaknesses (5 metrics)

2375
Loan-to-Deposit Ratio
liquidity
Value: 98.04%
Peer Median: 76.64%
#2375 of 2664 Bottom 10.9% in $100M-$1B
2334
Non-Interest-Bearing Deposit Share
funding
Value: 10.89%
Peer Median: 22.02%
#2334 of 2664 Bottom 12.4% in $100M-$1B
2285
Net Interest Margin
profitability
Value: 3.10%
Peer Median: 3.93%
#2285 of 2664 Bottom 14.3% in $100M-$1B
2255
Return on Assets
profitability
Value: 0.58%
Peer Median: 1.27%
#2255 of 2664 Bottom 15.4% in $100M-$1B
2191
Efficiency Ratio
profitability
Value: 78.16%
Peer Median: 65.29%
#2191 of 2664 Bottom 17.8% in $100M-$1B
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