FDIC Cert #35394 · Windsor, Connecticut · Est. 2000

MassMutual Private Wealth & Trust, FSB - FDIC Bank Health Profile

A community-scale look at MassMutual Private Wealth & Trust, FSB's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$91M
Total assets
A
Health grade · Excellent
6.57%
Return on assets
50.6%
Tier 1 capital

Data updated July 2026

The verdict

MassMutual Private Wealth & Trust, FSB earns a PlainBankData health grade of A (85/100), with well-capitalized at 50.57% Tier 1, profitable at 6.57% ROA, 87% efficiency ratio.

#3,808
largest of 4,313 FDIC banks by assets
12th
percentile by asset size, nationally
50.57%
Tier 1 ratio - above the 10% well-capitalized line
100th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 35394 · CT A · 85/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-RICH

  • GRADE-A A (85/100)
  • MID-PACK #1393/4307
  • PHOTO-FINISH Citizens Bank of Cum… · KY
  • TIER1-WELL 50.6% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 6.57% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-RICH 8/9 fields

Nearest health peer outside Connecticut: Citizens Bank of Cumberland County, Inc., KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around MassMutual Private Wealth & Trust, FSB

Lowest and highest poles plus nearest scored peers outside Connecticut, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens Bank of Cum… · KY ·…85/100Country Trust Bank · IL · ne…85/100Davidson Trust Co. · MT · ne…85/100MassMutual Private W… · CT ·…85/100Thrivent Trust Company · WI …85/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around MassMutual Private Wealth & Trust, FSB · July 2026

Plate reading for MassMutual Private Wealth & Trust, FSB where failures stay rare

MassMutual Private Wealth & Trust, FSB (FDIC Cert #35394) carries a PlainBankData health grade of A at 85/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,393 of 4,307. Tier 1 capital prints at 50.57%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 6.57%. Balance-sheet scale is $91M, 3,808th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Citizens Bank of Cumberland County, Inc. (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around MassMutual Private Wealth & Trust, FSB

Only 2 FAILURE resolutions in Connecticut since 2000

MassMutual Private Wealth & Trust, FSB is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (2 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • THE COMMUNITY'S BANK BRIDGEPORT, CT 2013
  • CONNECTICUT BANK OF COMMERCE STAMFORD, CT 2002 → HUDSON UNITED BANK
  • FAIRFIELD FIRST BANK & TRUST CO SOUTHPORT, CT 1996 → NORWALK SAVINGS SOCIETY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Connecticut banks.

How MassMutual Private Wealth & Trust, FSB's 85/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10085/100
MassMutual Private Wealth & Trust, FSB's composite health score
Tier 1 Capital Ratio (50.57%) 40/40
Return on Assets (ROA) (6.57%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (86.56%) 0/15

85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$91M

Total balance-sheet footings

Total Deposits

$51M

Customer-funded liabilities

Net Loans

-

Outstanding loan book

Net Income

$6M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 10% 20% 30% 40% 50% 60% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 49.17% 50.57% 51.97%
Basel III capital ratios - MassMutual Private Wealth & Trust, FSB

Where MassMutual Private Wealth & Trust, FSB ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. MassMutual Private Wealth & Trust, FSB's score of 85/100 falls in the highlighted band.

MassMutual Private Wealth & Trust, FSB: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

85 Top 32% higher than 68% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. MassMutual Private Wealth & Trust, FSB 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

MassMutual Private Wealth & Trust, FSB's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). MassMutual Private Wealth & Trust, FSB's $91M falls in the highlighted band.

Safety metrics: MassMutual Private Wealth & Trust, FSB

Tier 1 capital ratio
Well-capitalized 10%

50.57% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
50.57%
Texas Ratio
0.00%
Equity Capital
$26M

What these ratios mean →

Earnings posture at MassMutual Private Wealth & Trust, FSB

Return on Assets (ROA)
100th percentile nationally
6.57%
Return on Equity (ROE)
21.44%
Efficiency Ratio
86.56%

What these mean →

Income & expense at MassMutual Private Wealth & Trust, FSB

$3M
Interest Income
$59M
Non-Interest Income
$52M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. MassMutual Private Wealth & Trust, FSB reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View MassMutual Private Wealth & Trust, FSB on FDIC BankFind →

Top banks in Connecticut by total assets

Largest banks headquartered in Connecticut
  1. 1
    Webster Bank $84.0B

    Stamford, CT · Grade A

  2. 2
    Liberty Bank $9.0B

    Middletown, CT · Grade B

  3. 3
    Bankwell Bank $3.4B

    New Canaan, CT · Grade A

  4. 4
    Union Savings Bank $3.3B

    Danbury, CT · Grade B

  5. 5
    Ion Bank $2.7B

    Naugatuck, CT · Grade B

Top 5 banks in Connecticut ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($91M here), outside Connecticut so the neighborhood is not state containment.

American Exchange Bank, Lindsay, Okla… $91M · OK Eureka Homestead $92M · LA The Four County Bank $92M · GA Community Bank of Missouri $91M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) MassMutual Private Wealth & Trust, FSB (FDIC Cert #35394) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

MassMutual Private Wealth & Trust, FSB Call Report profile · FDIC Failed Bank List · Connecticut FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Connecticut

All Connecticut banks →
BankAssetsGradeROA
Webster Bank, National AssociationStamford $84.0B A 1.26%
Liberty BankMiddletown $9.0B B 0.99%
Bankwell BankNew Canaan $3.4B A 1.27%
Union Savings BankDanbury $3.3B B 0.61%
Ion BankNaugatuck $2.7B B 0.79%
First County BankStamford $2.3B C 0.22%
Fairfield County BankRidgefield $1.9B C 0.46%
Thomaston Savings BankThomaston $1.9B B 0.78%