Thomaston Savings Bank
Thomaston, CT · Cert 18258 · Peer group: banks $1B-$10B in assets (n=313-319)
SI · FDIC · 16 branches
Q2 2026
$1.9BAssets
$1.4BLoans
$1.7BDeposits
$182.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 51% of banks $1B-$10B in assets (rank 155 of 313).
- Widest gap: total risk-based capital ratio trails 94% of banks $1B-$10B in assets (rank 301 of 319).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
1.06%
Rank 206 of 319
Net Interest Margin
3.19%
Rank 212 of 319
Efficiency Ratio
62.32%
Rank 189 of 319
Equity / Assets
9.40%
Rank 218 of 319
Non-interest income vs. expense
Unfavorable gap of $34.0M · efficiency ratio beats 41% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.91% | 1.21% | 1.53% | Beats 35% | 206 / 319 | |
| Return on Equity | 11.28% | 8.49% | 11.44% | 14.57% | Beats 47% | 169 / 319 | |
| Net Interest Margin | 3.19% | 3.06% | 3.43% | 3.81% | Beats 34% | 212 / 319 | |
| Efficiency Ratio | 62.32% | 51.90% | 59.57% | 67.64% | Beats 41% | 189 / 319 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.25% | 0.54% | 1.18% | Beats 43% | 178 / 313 | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.04% | 0.12% | Beats 51% | 155 / 313 | |
| Capital |
| Tier 1 Capital Ratio | 10.68% | 11.74% | 12.99% | 15.28% | Beats 10% | 288 / 319 | |
| Total Risk-Based Capital Ratio | 10.68% | 12.61% | 14.01% | 16.23% | Beats 6% | 301 / 319 | |
| Equity / Assets | 9.40% | 9.03% | 10.33% | 12.01% | Beats 32% | 218 / 319 | |
| Liquidity & Funding |
| Loans / Deposits | 84.81% | 76.76% | 88.16% | 95.43% | 42nd pctl | 183 / 314 | |
| Loans / Assets | 74.03% | 65.79% | 74.05% | 79.84% | 49th pctl | 162 / 319 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |