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The Torrington Savings Bank
Torrington, CT · FDIC Certificate #16636 · Chartered 08/1
Total assets
$1.00B
Total deposits
$803.16M
Total equity
$183.56M
Net loans
$799.65M
Branches (offices)
9
Net income (YTD)
$3.23M
Rank: #1,043 of 4,213 U.S. banks by assets · #15 of 26 in Connecticut. Assets changed -2.1% and deposits -0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.64% |
| Return on equity | 3.55% |
| Net interest margin (YTD) | 3.18% |
| Equity to assets | 18.33% |
| Tier 1 leverage ratio | 19.03% |
| Uninsured deposits (share of deposits) | 11.8% |
| Noncurrent loans (share of loans) | 0.14% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 99.6% |
| Real estate loans (share of loans) | 99.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $796.03M | 99.5% | |
| Commercial & industrial | $9.80M | 1.2% | |
| Consumer / individual | $835.00K | 0.1% | |
| Construction & development | $14.66M | 1.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $981.48M | $806.23M | -$1.62M | $169.76M |
| Jun 2023 | $904.88M | $728.62M | -$1.31M | $168.42M |
| Jun 2024 | $932.67M | $744.40M | -$196.00K | $174.62M |
| Jun 2025 | $1.02B | $806.00M | $1.23M | $182.21M |
| Jun 2026 | $1.00B | $803.16M | $3.23M | $183.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Connecticut | $803.16M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $803.16M.
Similar-sized banks
Kirkpatrick Bank ($1.00B) · Golden State Bank ($1.00B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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