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Torrington Municipal and Teachers

Torrington, CT · Charter 14003

NCUA · 3 branches

Q2 2026

$93.6MAssets
$34.6MLoans
$84.8MShares
$8.8MNet Worth

Executive Summary

  • Earnings: ROA of 1.02%, up 12 bps year over year; NIM at 3.41%.
  • Asset quality: problem loans at 0.14% of loans (-101 bps YoY).
  • Capital: net worth / assets of 9.37%, up 45 bps from a year ago.
  • Funding: loans stand at 40.78% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.02%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.41%+9 bps YoY

Efficiency Ratio (YTD, annualized)

77.35%+28 bps YoY

Net Worth / Assets

9.37%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.69%0.76%0.90%1.09%1.03%0.95%1.02%+12 bps
Return on Equity7.83%7.79%8.77%10.14%11.78%11.15%10.14%10.89%+75 bps
Net Interest Margin3.13%3.11%3.19%3.32%3.42%3.39%3.47%3.41%+9 bps
Efficiency Ratio82.49%82.55%79.50%77.07%73.71%75.43%79.53%77.35%+28 bps
Growth
Asset Growth (YoY)6.14%10.17%9.05%8.21%7.57%8.06%4.61%7.43%-78 bps
Loan Growth (YoY)3.89%4.87%4.44%5.01%2.50%3.40%2.05%1.96%-305 bps
Share Growth (YoY)5.87%9.93%9.04%8.53%7.16%7.69%3.90%6.95%-158 bps
Asset Quality
Delinquent Loans / Loans0.44%0.24%0.25%1.15%0.30%0.20%0.19%0.14%-101 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.94%8.91%8.68%8.92%9.29%9.27%9.35%9.37%+45 bps
Net Worth / Assets8.94%8.91%8.68%8.92%9.29%9.27%9.35%9.37%+45 bps
Liquidity & Funding
Loans / Shares45.16%44.48%42.06%42.77%43.20%42.71%41.31%40.78%-199 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps