BlastPoint's Banking Scorecard
The Torrington Savings Bank
Community
Specialty: Commercial
CT
FDIC cert 16636
Designations: ✓ Mutual
Torrington, CT
1484
banks in Community tier nationally
21 in CT
View Community leaderboard (CT) →
The Torrington Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 28% in Community
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 15% in Community
- - Liquidity Strain: Bottom 33% in Community
- - Capital Thin: Bottom 40% in Community
- - Return on Assets 1.30% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+3.7% YoY
+3.4% QoQ
|
-$377.6M |
$1.4B
+2.0% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$773.9M
+5.3% YoY
+2.3% QoQ
|
-$201.5M |
$975.5M
+2.4% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$808.1M
+6.9% YoY
+3.9% QoQ
|
-$356.5M |
$1.2B
+1.7% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
-0.14%
-133.8% YoY
+63.1% QoQ
|
-1.30% |
1.16%
+17.2% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
2.93%
+13.1% YoY
+1.5% QoQ
|
-0.73% |
3.66%
+9.1% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
15% |
| Efficiency Ratio ? |
106.50%
+16.2% YoY
-12.2% QoQ
|
+43.86% |
62.63%
-5.3% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.14%
-26.0% YoY
-29.8% QoQ
|
-0.49% |
0.63%
+18.3% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
95.78%
-1.5% YoY
-1.6% QoQ
|
+12.71% |
83.06%
+0.3% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
10.67%
+11.1% YoY
-6.1% QoQ
|
-10.38% |
21.05%
-0.9% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-24.9% YoY
-30.5% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.58%
+5.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
-0.16%
-127.5% YoY
+53.6% QoQ
|
-0.90% |
0.74%
-1.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#103 of 371 · Top 28% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.14%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (4)
Efficiency Drag
risk
#24 of 152 · Bottom 15% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
106.50%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#168 of 513 · Bottom 33% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
95.78%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#172 of 432 · Bottom 40% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
-0.14%
(Tier avg: 1.16%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
79
79th pctile
Loan-to-Deposit Ratio
Current: 95.78% · Tier avg: 83.06%
78
78th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
55
55th pctile
Total Loans
Current: $773.9M · Tier avg: $975.5M
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
47
47th pctile
Total Deposits
Current: $808.1M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
15
15th pctile
Net Interest Margin
Current: 2.93% · Tier avg: 3.66%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.67% · Tier avg: 21.05%
2
2th pctile
Return on Assets
Current: -0.14% · Tier avg: 1.16%
1
1th pctile
Efficiency Ratio
Current: 106.50% · Tier avg: 62.63%
Top Weaknesses
1
1th pctile
Efficiency Ratio
Current: 106.50% · Tier avg: 62.63%
2
2th pctile
Return on Assets
Current: -0.14% · Tier avg: 1.16%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.67% · Tier avg: 21.05%
15
15th pctile
Net Interest Margin
Current: 2.93% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
47
47th pctile
Total Deposits
Current: $808.1M · Tier avg: $1.2B
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
55
55th pctile
Total Loans
Current: $773.9M · Tier avg: $975.5M
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
78
78th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
79
79th pctile
Loan-to-Deposit Ratio
Current: 95.78% · Tier avg: 83.06%