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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

$12.5M$46.6MINCOMEEXPENSE
Unfavorable gap of $34.0M · efficiency ratio beats 42% of banks $1B-$10B in assets operating in a single state
Bank 62.32%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.06%0.93%1.23%1.54%Beats 36%164 / 258
Return on Equity11.28%9.26%11.84%14.74%Beats 45%142 / 258
Net Interest Margin3.19%3.16%3.49%3.88%Beats 27%189 / 258
Efficiency Ratio62.32%51.71%60.30%69.65%Beats 42%151 / 257
Asset Quality
Nonperforming Loans / Loans0.65%0.19%0.46%0.90%Beats 31%179 / 258
Net Charge-Offs / Loans0.04%0.01%0.02%0.07%Beats 40%156 / 258
Capital
Tier 1 Capital Ratio10.68%11.41%12.98%15.12%Beats 15%220 / 258
Total Risk-Based Capital Ratio10.68%12.10%13.91%16.08%Beats 13%225 / 258
Equity / Assets9.40%9.09%10.24%11.72%Beats 32%175 / 258
Liquidity & Funding
Loans / Deposits84.81%73.24%86.34%95.95%47th pctl138 / 258
Loans / Assets74.03%63.01%72.27%78.40%56th pctl114 / 258
Brokered Deposits / Depositsn/aNot reported for this institution