Total Assets
$1.0B
Total balance-sheet footings
FDIC Cert #16636 · Torrington, Connecticut · Est. 1868
The Torrington Savings Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $1.0B
- Total assets
- C
- Health grade · Fair
- -0.14%
- Return on assets
- 18.6%
- Tier 1 capital
Data updated July 2026
The verdict
The Torrington Savings Bank earns a PlainBankData health grade of C (60/100), with well-capitalized at 18.65% Tier 1, -0.14% ROA, 106% efficiency ratio.
- #1,030
- largest of 4,313 FDIC banks by assets
- 76th
- percentile by asset size, nationally
- 18.65%
- Tier 1 ratio - above the 10% well-capitalized line
- 4th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How The Torrington Savings Bank's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Torrington Savings Bank's composite health score
Tier 1 Capital Ratio (18.65%) 40/40
Return on Assets (ROA) (-0.14%) 0/25
Texas Ratio (0.58%) 20/20
Efficiency Ratio (106.50%) 0/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$808M
Customer-funded liabilities
Net Loans
$774M
Outstanding loan book
Net Income
$-1,390K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Torrington Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Torrington Savings Bank's score of 60/100 falls in the highlighted band.
The Torrington Savings Bank'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). The Torrington Savings Bank's $1.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.65% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.65%
Texas Ratio
0.58%
Equity Capital
$181M
Profitability metrics
Return on Assets (ROA)
4th percentile nationally
-0.14%
Return on Equity (ROE)
-0.77%
Efficiency Ratio
106.50%
What the numbers say about The Torrington Savings Bank
The Torrington Savings Bank is an FDIC-insured institution (Certificate #16636) headquartered in Torrington, Connecticut, established in 1868. It holds $1.0B in total assets - 1,030th of 4,313 FDIC-insured banks, $808M in customer deposits, and $774M in net loans. Capital-wise, the Tier 1 ratio sits at 18.65%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.58%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (60 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Torrington Savings Bank sits 16th of 28 banks headquartered in Connecticut by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$43M
Interest Income
$-1,613K
Non-Interest Income
$27M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Torrington Savings Bank reports a Texas Ratio of 0.58% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.58% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at The Torrington Savings Bank
The Torrington Savings Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-1,390K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at The Torrington Savings Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Connecticut by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Torrington Savings Bank (FDIC Cert #16636) - 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.
Other banks in Connecticut
All Connecticut banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is The Torrington Savings Bank's health grade?▼
The Torrington Savings Bank receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The Torrington Savings Bank?▼
The Torrington Savings Bank holds $1.0B in total assets and $808M in deposits, ranking 1,030th of 4,313 FDIC-insured banks by asset size. It is headquartered in Torrington, Connecticut.
Is my money safe at The Torrington Savings Bank?▼
Yes, deposits at The Torrington Savings Bank (Certificate #16636) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Torrington Savings Bank's Tier 1 Capital Ratio?▼
The Torrington Savings Bank has a Tier 1 Capital Ratio of 18.65%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Torrington Savings Bank?▼
The Torrington Savings Bank has a Texas Ratio of 0.58%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Torrington Savings Bank?▼
The Torrington Savings Bank has an Efficiency Ratio of 106.50%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Torrington Savings Bank's profile as a depositor or analyst.
- The Torrington Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Torrington Savings Bank against other Connecticut banks before moving funds. Connecticut banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.