BlastPoint's Banking Scorecard
Thomaston Savings Bank
Designations: ✓ Community bank ✓ Mutual
Thomaston, CT
16 branches across CT
Thomaston Savings Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.23% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 23.1% in tier
- - Credit Risk Growth: Bottom 39.0% in tier
- - ROA 0.32% below tier average
- - Net Interest Margin 0.41% below tier average
- - Efficiency Ratio 0.10% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+3.7% YoY
+0.1% QoQ
|
-$908.6M |
$2.8B
-0.1% YoY
|
$4.6B
+6.9% YoY
|
$6.2B
+9.1% YoY
|
47% |
| Total Loans ? |
$1.4B
+7.9% YoY
+0.6% QoQ
|
-$551.7M |
$2.0B
+0.6% YoY
|
$3.2B
+8.3% YoY
|
$3.2B
+10.8% YoY
|
51% |
| Total Deposits ? |
$1.7B
+3.8% YoY
+0.4% QoQ
|
-$677.2M |
$2.3B
-0.3% YoY
|
$3.7B
+5.9% YoY
|
$4.8B
+8.2% YoY
|
50% |
| Return on Assets ? |
1.04%
+71.6% YoY
+33.7% QoQ
|
-0.32% |
1.37%
+19.6% YoY
|
0.98%
+59.4% YoY
|
1.23%
+13.4% YoY
|
36% |
| Net Interest Margin ? |
3.40%
+18.2% YoY
+9.1% QoQ
|
-0.41% |
3.82%
+6.9% YoY
|
3.30%
+11.1% YoY
|
3.89%
+5.7% YoY
|
35% |
| Efficiency Ratio ? |
61.16%
-19.8% YoY
-14.4% QoQ
|
+0.10% |
61.06%
-4.6% YoY
|
74.04%
-0.3% YoY
|
66.95%
-4.1% YoY
|
45% |
| Delinquency Rate ? |
0.66%
+23.8% YoY
+5.3% QoQ
|
-0.23% |
0.89%
+14.1% YoY
|
0.76%
+15.1% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
84.82%
+4.0% YoY
+0.2% QoQ
|
+0.62% |
84.20%
+0.3% YoY
|
87.65%
+0.6% YoY
|
76.70%
+0.9% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
31.03%
-2.0% YoY
+0.4% QoQ
|
+9.74% |
21.29%
-2.5% YoY
|
20.48%
-2.9% YoY
|
22.01%
-1.2% YoY
|
Top 13.8% in tier |
| Nonperforming Asset Ratio ? |
0.51%
+34.7% YoY
+5.0% QoQ
|
-0.16% |
0.67%
+15.6% YoY
|
0.54%
+14.2% YoY
|
0.67%
+19.3% YoY
|
44% |
| Tier 1 Capital Ratio ? |
10.43%
+5.0% YoY
+1.9% QoQ
|
-4.73% |
15.16%
+2.0% YoY
|
15.66%
+1.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 7.9% in tier |
| Non-Interest Income / Assets ? |
0.15%
+8.3% YoY
-74.1% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.74%
+3.6% YoY
|
0.32%
+4.1% YoY
|
55% |
Get Full Access to Thomaston Savings Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.