BlastPoint's Banking Scorecard
Thomaston Savings Bank
Community
Specialty: Commercial
CT
FDIC cert 18258
Designations: ✓ Mutual
Thomaston, CT
1484
banks in Community tier nationally
21 in CT
View Community leaderboard (CT) →
Thomaston Savings Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 43% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+4.2% YoY
+2.3% QoQ
|
+$513.6M |
$1.4B
+2.0% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$1.4B
+8.0% YoY
+3.6% QoQ
|
+$428.9M |
$975.5M
+2.4% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$1.7B
+3.5% YoY
+2.4% QoQ
|
+$494.4M |
$1.2B
+1.7% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
0.78%
+53.0% YoY
+6.4% QoQ
|
-0.38% |
1.16%
+17.2% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
3.12%
+12.1% YoY
+2.0% QoQ
|
-0.55% |
3.66%
+9.1% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
71.47%
-7.8% YoY
-1.6% QoQ
|
+8.84% |
62.63%
-5.3% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
0.63%
-8.6% YoY
+2.2% QoQ
|
0 |
0.63%
+18.3% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
84.65%
+4.4% YoY
+1.2% QoQ
|
+1.59% |
83.06%
+0.3% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
30.92%
-7.5% YoY
+4.3% QoQ
|
+9.88% |
21.05%
-0.9% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.49%
-0.1% YoY
+4.4% QoQ
|
-0.01% |
0.50%
+20.3% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
39% |
| 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 ? |
0.59%
+4.5% YoY
+34.8% QoQ
|
-0.15% |
0.74%
-1.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Thin
risk
#186 of 432 · Bottom 43% 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
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
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 30.92% · Tier avg: 21.05%
79
79th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
59
59th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.65% · Tier avg: 83.06%
39
39th pctile
Delinquency Rate
Current: 0.63% · Tier avg: 0.63%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
24
24th pctile
Efficiency Ratio
Current: 71.47% · Tier avg: 62.63%
23
23th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.16%
21
21th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.66%
Top Weaknesses
21
21th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.66%
23
23th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.16%
24
24th pctile
Efficiency Ratio
Current: 71.47% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.50%
39
39th pctile
Delinquency Rate
Current: 0.63% · Tier avg: 0.63%
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.65% · Tier avg: 83.06%
59
59th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
79
79th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
79
79th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 30.92% · Tier avg: 21.05%