# TORRINGTON SAVINGS BANK
TORRINGTON, CT · FDIC certificate 16636 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.00B | |
| Deposits | $803.2M | |
| Loans and leases | $806.7M | |
| Total equity | $183.6M | |
| Loans / deposits | 99.56% (p84 of band) | 87.10% |
| Liquid assets / assets | 13.09% (p14 of band) | |
| Uninsured deposits / deposits | 11.80% (p6 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.61% (p19 of band) | |
| FHLB advances / assets | 0.11% | |
| Tier 1 leverage | 19.03% (p97 of band) | 10.50% |
| Unrealized securities loss / equity | -5.07% (p63 of band) | -7.75% |
| AOCI / equity | -0.17% (p60 of band) | |
| ROA (annualized) | 0.64% (p13 of band) | 1.26% |
| Net interest margin | 3.18% (p22 of band) | 3.70% |
| Efficiency ratio | 76.83% (p90 of band) | |
| Noncurrent loans | 0.14% (p17 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 632.22% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 7.99% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.3% | |
| Employees | 134 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 3 | capital falling, reserve under noncurrent |  |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | uninsured deposits leaving |  |
| 2014-03 | 1 |  | uninsured deposits leaving |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | uninsured deposits leaving |  |
| 2016-12 | 1 |  | uninsured deposits leaving |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | NIM <2.5% |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | losing money |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | losing money, capital falling |
| 2021-03 | 2 | expense ratio p90, NIM <2.5% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | capital falling |  |
| 2021-12 | 2 |  | capital falling |
| 2022-03 | 1 |  | expense ratio p90 |
| 2022-06 | 2 | losing money |  |
| 2022-09 | 2 | capital falling, uninsured deposits leaving | NIM <2.5%, losing money |
| 2022-12 | 3 | deposits shrinking, assets shrinking | capital falling |
| 2023-03 | 4 | losing money |  |
| 2023-06 | 5 | capital falling |  |
| 2023-09 | 1 |  | uninsured deposits leaving, deposits shrinking, assets shrinking, capital falling |
| 2023-12 | 0 |  | losing money |
| 2024-03 | 2 | losing money, expense ratio p90 |  |
| 2024-06 | 3 | capital falling |  |
| 2024-09 | 2 |  | losing money |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | losing money |  |
| 2025-06 | 2 |  | losing money |
| 2025-09 | 3 | losing money |  |
| 2025-12 | 2 |  | capital falling |
| 2026-03 | 0 |  | expense ratio p90, losing money |
| 2026-06 | 1 | expense ratio p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-29 [CT LIVE: Torrington Savings Bank - nbcconnecticut.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxNLU5ja0tkek1VRHVfUWlzeHFOREEtT0NEemp3c0MxQWc1ejh6dEZvS3VudjV6bnBOWDVvRmpXbWRxbnA3a3lFSllmOGZaNlI3WU5jRlNpbnFiOEVwMlNtcWNpSjlBTkxsTDFDa0RvYlh4Y2tQeExWelk3WjZ1dFVSNXRWZzZUSWZaWGFCbmx5cGw5NTB2U3QtcWZMN3FvSkx00gGoAUFVX3lxTE53Z1VtLWh0MFFoS3BLQkx4cHEwUW44Q09WNVlrQlNfWHhpbU44cTJmNEY4ZWxkby1aQlVYNHg1Qmxmd2trd1drcGxJakRPOHpTNE9UcW92bjNnWHpkMl9GaEJncUQ0VVY4aFMzanFzU0hPbElBaWVtU0xWRE9MNnM5bzRPQTN5VnZVTV9kZFJzVG11bC1wUy1BZi1hc25EazNsMG4xb21ucA?oc=5) · nbcconnecticut.com
- 2026-01-12 ["What's Your Story?" A Small Business Giveaway 2026 Presented by Torrington Savings Bank - Hartford Business Journal](https://news.google.com/rss/articles/CBMiX0FVX3lxTE4tblpJSTVWaFVmRm1WYV82SmJHbGV3N1BoZFlPS2ppOTJOQ2NwaENacGRoajJia3RWLThYS25wbDJ4aWFjQWw0NDFYdDRqWE9GaXBYTUZNckVYSXhGWkc4?oc=5) · Hartford Business Journal
- 2016-05-26 [Torrington Savings Bank announces promotions - ctinsider.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPVXZwTmt6OGh3OWFpQmlpcHVHb2w4RlBadTVlTURLNVB0UThfMWJqZEFDNThZTnJtdXdHRHVtVzl1Y3R1czZyMjFLQTIxWl9UbEhPRDFKOG1tbjFTM0dlTGxJWTFQVG50TkM4SGZyZDVHLU40MDdJY1FQQW9oNjMzaDZCWWJqbFRZRV9WYmNJc1pSWTNUWkNVS3ZVWDY?oc=5) · ctinsider.com
- 2025-11-12 [Southington High School Blue Knights named Torrington Savings Bank High School Football Team of the - wfsb.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxQSWU4Wm1uN2g3YkFwVjFIcUhwaW5fMXl2bGMyTVQ0anlGd2Q1Q0ZwTW1SRnZGLUN6WFQ0QnA0WWR2RzU1dUktYWdVRWYzakxUc1VSRzZweXdRQUktUlV3bVNwRmNaaXNiU3Z3TFhPZkxRcEtXdnhlVXdFTzhlOTVpZTF5MURJc3RmcThaSnhCd2s0OW5yaGdIWDNWVENRX0JYZUJrMS1NUUV4M3NkdFU0Q3ZuVUY1VUZSRlZrelplMG1fdG9fR1RCYW11MA?oc=5) · wfsb.com
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2025 - Newsweek Rankings](https://news.google.com/rss/articles/CBMikwFBVV95cUxNVy1DMGtfTHlRYnJXWTRyQW9ITGlLNE51a3JXS0RkdGpXZ3RKMkZnY0RwSTRzMUdRa2hDTnhqQlJlaVk1RUU0V0x4eFY3RjlrVTU4SDl1THRzb005Zmo2QXpYZkhYdTVwOHZrUWdKV1ZyMXVYM090VXl3YkhzVGROY1BnUF9kN2pXNUFSNWIwMjliU1U?oc=5) · Newsweek Rankings
- 2020-09-28 [Torrington Savings moving further into Hartford County - Hartford Business Journal](https://news.google.com/rss/articles/CBMilwFBVV95cUxOSmw5bExqZkJaSkY3YVpvNlVrdUtoNVo1SGR6RzdhRzBIUzNvLWxzR2tvYjhJSzBUUFFXNmNqdXFtNDhIbGFQbVVLdzVGYnFENFRGSmYyZnVKVzM0NFhldlFxRU45ZkxaMm1GekVoQ3J6ZUJBazZMLUNGM0FnMzdZa0hMdnUtNTkyRFFCaU5FRDV1STVWY1JJ?oc=5) · Hartford Business Journal
- 2019-11-25 [Torrington Savings Bank names new president, COO - ctinsider.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxPV0l5NkdoMzV2Z2dWOFFMbFlKc3hMRFBpa2wtZk42Y3VJVUpVcUJVajI1OFpJSVBrV3hMQU1yXy1fMXE3YUUzVVJ2WU81RHlzVmNhSFV4ZlJJeE53T2Ixc1BDMl9uRERPZDV1dmpqTGtkMFhVZnV6ZjdVcDZraUx1cXI2QkFqc1MzS0U3N1pPYzQ3bjJZOVo0RnR0X3hiallFX2xrZzRR?oc=5) · ctinsider.com
- 2021-10-04 [Vanotti guides Torrington Savings Bank into Hartford County - Hartford Business Journal](https://news.google.com/rss/articles/CBMingFBVV95cUxPZUs0VTZBNzFlVm1SRjVvRVg3Nk5sV0lLWjFlZGhOWmRwdlY4RThkbklXOERLNlo3TThUV1BRdExHZ2lqOFFHMW9odUZvUWFEOFFDN3BZNnZLaWFNN01wRGJKcVR1Y3hoTWxqaGVKeXJkLURHRU5wV2lMZ2NvYkVMel9DUmJSZkpKc2RBdW0yMUtZZndOazBxWUgxd2U5QQ?oc=5) · Hartford Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16636 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/60.json (key "16636", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide