BlastPoint

BlastPoint's Banking Scorecard

Thomaston Savings Bank

$1B-$10B Specialty: Commercial CT FDIC cert 18258

Designations: ✓ Community bank ✓ Mutual

Thomaston, CT

16 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 +4.1% year over year ($1.7B on the books).
  • Delinquency rate 0.66%.
  • Return on assets 1.07%.
  • Efficiency ratio 62.32% vs a 59.73% peer average.
  • Loan-to-deposit ratio 83.97% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 15 in CT
View $1B-$10B leaderboard (CT) →

Thomaston Savings Bank has 1 strength but faces 5 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 0.21% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 26.1% in tier
  • - Capital Thin: Bottom 28.4% in tier
  • - ROA 0.32% below tier average
  • - Net Interest Margin 0.39% below tier average
  • - Efficiency Ratio 2.59% above tier average
Get updates when Thomaston Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Total Assets ? $1.9B
+3.9% YoY +1.5% QoQ
-$858.5M $2.8B
-0.6% YoY
$4.8B
+5.5% YoY
$6.3B
+7.7% YoY
48%
Total Loans ? $1.4B
+7.0% YoY +0.4% QoQ
-$545.0M $2.0B
-0.3% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
51%
Total Deposits ? $1.7B
+4.1% YoY +1.4% QoQ
-$630.0M $2.3B
-0.5% YoY
$3.9B
+6.2% YoY
$4.9B
+7.3% YoY
51%
Return on Assets ? 1.07%
+48.8% YoY +2.7% QoQ
-0.32% 1.39%
+17.0% YoY
1.11%
+57.7% YoY
1.30%
+12.1% YoY
35%
Net Interest Margin ? 3.48%
+17.0% YoY +2.4% QoQ
-0.39% 3.87%
+6.2% YoY
3.44%
+11.6% YoY
3.95%
+4.9% YoY
36%
Efficiency Ratio ? 62.32%
-14.3% YoY +1.9% QoQ
+2.59% 59.73%
-12.6% YoY
72.27%
-70.9% YoY
70.05%
+2.5% YoY
39%
Delinquency Rate ? 0.66%
+2.7% YoY -0.5% QoQ
-0.21% 0.87%
+11.7% YoY
0.70%
-4.9% YoY
0.98%
+16.3% YoY
41%
Loan-to-Deposit Ratio ? 83.97%
+2.8% YoY -1.0% QoQ
-1.06% 85.04%
-0.1% YoY
91.71%
+1.4% YoY
79.03%
+2.3% YoY
58%
Non-Interest-Bearing Deposit Share ? 31.26%
+1.8% YoY +0.7% QoQ
+9.99% 21.27%
-1.5% YoY
22.06%
+1.6% YoY
21.98%
-0.6% YoY
Top 12.9% in tier
Nonperforming Asset Ratio ? 0.50%
+10.3% YoY -2.0% QoQ
-0.17% 0.67%
+11.7% YoY
0.53%
-3.6% YoY
0.69%
+15.8% YoY
44%
Tier 1 Capital Ratio ? 10.68%
+5.8% YoY +2.4% QoQ
-4.16% 14.84%
-0.4% YoY
14.05%
-0.0% YoY
17.09%
+0.8% YoY
Bottom 12.9% in tier
Non-Interest Income / Assets ? 0.32%
+12.3% YoY +113.0% QoQ
-0.20% 0.53%
+2.5% YoY
0.35%
+5.1% YoY
0.66%
+5.2% YoY
58%

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 31.3%
+0.6pp YoY
+0.2pp QoQ
 +9.9pp 21.4% 22.1% 22.2% 87%
Brokered Deposits 0.4%
-0.7pp YoY
0.0pp QoQ
 -9.1pp 9.5% 8.1% 8.5% 10%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
C&I 9.6%
-0.1pp YoY
-0.6pp QoQ
 -4.4pp 14.0% 11.4% 12.5% 42%
CRE 50.8%
+2.2pp YoY
+0.9pp QoQ
 +0.7pp 50.0% 42.4% 41.4% 54%
1-4 Family 38.0%
-2.0pp YoY
0.0pp QoQ
 +11.6pp 26.4% 42.2% 31.3% 79%
Consumer 2.5%
0.0pp YoY
-0.2pp QoQ
 -2.2pp 4.7% 4.1% 5.0% 69%

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 10.7%
+0.6pp YoY
+0.2pp QoQ
 -0.6pp 11.3% 12.7% 12.6% 53%
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 227
-10 (-4.2%) YoY
+3 (+1.3%) QoQ
 -87 313 342 482 47%
Assets per Employee ($) $8.5M
+8.5% YoY
+0.1% QoQ
 -$2.0M $10.5M $9.9M $8.8M 48%
Branch Count 16
0 YoY
0 QoQ
 -4 20 19 18 53%

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 0.7%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.8% 0.7% 1.0% 60%
Allowance Coverage 1.52x
+3.6% YoY
+3.6% QoQ
 -17.19x 18.71x 4.87x 20.23x 39%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 47%

Profitability

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
ROE 11.6%
+2.5pp YoY
+0.2pp QoQ
 -1.0pp 12.6% 8.2% 11.6% 46%
Cost of Funds (YTD) 1.5%
-0.3pp YoY
-0.1pp QoQ
 -0.4pp 1.9% 1.7% 1.7% 24%
Net Income ($, YTD) $10.3M
+54.7% YoY
— QoQ
 -$9.0M $19.2M $28.0M $40.4M 41%

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 (2)

Credit Risk Growth

risk
#106 of 402 • Bottom 26.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Capital Thin

risk
#64 of 222 • Bottom 28.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.68%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | 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 885 peers in $1B-$10B

Top Strengths (1 metrics)

115
Non-Interest-Bearing Deposit Share
funding
Value: 31.26%
Peer Median: 21.27%
#115 of 885 Top 12.9% in $1B-$10B

Top Weaknesses (1 metrics)

772
Tier 1 Capital Ratio
capital
Value: 10.68%
Peer Median: 14.84%
#772 of 885 Bottom 12.9% in $1B-$10B
Powered by BlastPoint © 2026