Thomaston Savings Bank
Thomaston, CT · Cert 18258 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)
SI · FDIC · 16 branches
Q2 2026
$1.9BAssets
$1.4BLoans
$1.7BDeposits
$182.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 45% of banks $1B-$10B in assets operating in a single state (rank 142 of 258).
- Widest gap: total risk-based capital ratio trails 87% of banks $1B-$10B in assets operating in a single state (rank 225 of 258).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
1.06%
Rank 164 of 258
Net Interest Margin
3.19%
Rank 189 of 258
Efficiency Ratio
62.32%
Rank 151 of 257
Equity / Assets
9.40%
Rank 175 of 258
Non-interest income vs. expense
Unfavorable gap of $34.0M · efficiency ratio beats 42% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.93% | 1.23% | 1.54% | Beats 36% | 164 / 258 | |
| Return on Equity | 11.28% | 9.26% | 11.84% | 14.74% | Beats 45% | 142 / 258 | |
| Net Interest Margin | 3.19% | 3.16% | 3.49% | 3.88% | Beats 27% | 189 / 258 | |
| Efficiency Ratio | 62.32% | 51.71% | 60.30% | 69.65% | Beats 42% | 151 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.65% | 0.19% | 0.46% | 0.90% | Beats 31% | 179 / 258 | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.02% | 0.07% | Beats 40% | 156 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 10.68% | 11.41% | 12.98% | 15.12% | Beats 15% | 220 / 258 | |
| Total Risk-Based Capital Ratio | 10.68% | 12.10% | 13.91% | 16.08% | Beats 13% | 225 / 258 | |
| Equity / Assets | 9.40% | 9.09% | 10.24% | 11.72% | Beats 32% | 175 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 84.81% | 73.24% | 86.34% | 95.95% | 47th pctl | 138 / 258 | |
| Loans / Assets | 74.03% | 63.01% | 72.27% | 78.40% | 56th pctl | 114 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |