# THOMASTON SAVINGS BANK
THOMASTON, CT · FDIC certificate 18258 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $1.93B | |
| Deposits | $1.69B | |
| Loans and leases | $1.43B | |
| Total equity | $182.0M | |
| Loans / deposits | 83.97% (p42 of band) | 87.10% |
| Liquid assets / assets | 21.10% (p50 of band) | |
| Uninsured deposits / deposits | 26.27% (p34 of band) | 30.76% |
| Brokered deposits | 0.34% | |
| Wholesale funding | 2.76% (p33 of band) | |
| FHLB advances / assets | 2.42% | |
| Tier 1 leverage | 10.68% (p54 of band) | 10.50% |
| Unrealized securities loss / equity | -22.24% (p17 of band) | -7.75% |
| AOCI / equity | -0.16% (p60 of band) | |
| ROA (annualized) | 1.07% (p35 of band) | 1.26% |
| Net interest margin | 3.48% (p36 of band) | 3.70% |
| Efficiency ratio | 62.32% (p61 of band) | |
| Noncurrent loans | 0.65% (p60 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p52 of band) | |
| Reserve coverage of noncurrent | 152.36% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 44.65% (p47 of band) | |
| Auto loans | $7.3M (0.51% of loans; DQ 0.38%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.1% | |
| Employees | 227 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 | capital falling | reserve under noncurrent |
| 2013-09 | 3 | expense ratio p90, reserve under noncurrent |  |
| 2013-12 | 2 |  | capital falling |
| 2014-03 | 2 | charge-offs p90 | expense ratio p90 |
| 2014-06 | 1 | capital falling | reserve under noncurrent, charge-offs p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | reserve under noncurrent | capital falling |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | reserve under noncurrent |  |
| 2016-09 | 2 | expense ratio p90 | reserve under noncurrent |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 | reserve under noncurrent | expense ratio p90 |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 2 | expense ratio p90 | capital falling |
| 2017-12 | 3 | uninsured deposits leaving |  |
| 2018-03 | 2 |  | uninsured deposits leaving |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | capital falling | reserve under noncurrent |
| 2018-12 | 2 | reserve under noncurrent | capital falling |
| 2019-03 | 1 |  | reserve under noncurrent |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | capital falling, reserve under noncurrent |  |
| 2020-09 | 2 |  | reserve under noncurrent |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 0 |  | expense ratio p90 |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 | capital falling |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-08-12 [Richard Goodenough and the Thomaston Savings Bank - CT.GOV-Connecticut's Official State Website (.gov)](https://news.google.com/rss/articles/CBMipgFBVV95cUxPbGNIaTdxOTdXM1NpOWlnQ2pHTFFLU1ZvYkFZT2kyYi1SbnFhVGpNajdnOHo3QVBCcmhqMWN0c09vZlFtNGpDa2o4eDROWnZVR1F2QW42UHRlQURfSzBNcmtXSF9YZkxUa0hPdmMwYXNKLUt3TzlZbXJyYi1tbEo2TzhKUmU3aXdNczZRZ3dFVlBweE41NjRyRVFYdUJxTlVSc3FjekNB?oc=5) · CT.GOV-Connecticut's Official State Website (.gov)
- 2026-08-07 [Thomaston Savings Awards Hartford County Grants - CBIA](https://news.google.com/rss/articles/CBMijwFBVV95cUxPXzlGRkRPWFV3b3pnZ1lRbDFQbDNlWVdUOHBoZ3FhNU50VHVUUGZweFk5NGpPM3hwaWNCWF9nZzB3aFFTVndLcFdiWDFHUzV3WElGb0RuVlVnX0VrOXBFTDE4UjkxZnI4TnoyUzlFdmRvTUZsdGVJVnF6dUIwX2dac1NUajExOVVaS004Q0w2TQ?oc=5) · CBIA
- 2026-04-20 [Thomaston Savings Bank employees graduate from finance program - The Bristol Edition](https://news.google.com/rss/articles/CBMiowFBVV95cUxPMzY4eldpWXFZeDdMQ2gyVGRoRDJBa0RnTUY1VTA5aE1mNF9fQW9WY3N6YXg1bi1CNlE3eGx0U3FzUTQwRUdjWUd6blRVYkl4YnNKTHh3Z2J2QVZoaGhoeEc1LXVOVzZRb2RKMzV2Zm85Rm1EMlRQVjBYZk1qQ2Z4SThwRnhVREtoOEFjblEwNXdrVkNheE45QmVsWEVfbHV6SEF3?oc=5) · The Bristol Edition
- 2026-01-08 [Fraudsters Run Scam Posing As Local Bank Employees In CT - Patch](https://news.google.com/rss/articles/CBMilAFBVV95cUxNUUN5TjU0anRmYVFLTW1hbDI5WTlLRERpVzZrcVM0a01laE53My1fNlRSZ3N1dUZiTEhWZlNXV3ZBd2plcWUzc0o1WHBVUUNlRDVUZEtIUkF2TFBjX2JFN3J2MHZKdlN4NHJxTGR5VkgzcHVXN0ota1JIS0ppdEhUR0lZU3RpZFNtUXBWaEhibERzNC1s?oc=5) · Patch
- 2026-04-23 [Thomaston Savings Bank Announces Graduation of Two Employees from Connecticut School of Finance and Management - Prime Publishers, Inc.](https://news.google.com/rss/articles/CBMizwJBVV95cUxPWUx2UENwRnNsR05xYXRXcWhyUW5CZXpMVXNXQTE2Q2xRTmhVRWlNZ2d2UFdWeG5vOUdaUTkzSUpZb3dzbk5lVUtBUmxwVU5sTVNYZ0V4LW1aOVNDTDBlZ1VrZUx2TFVUenB0WHc0cldhb3MtNWJEV19acHpsU1VVZUQ0bUdrN2dGeTZ1VmNDbmxrSkNzS01mNXJaZzR2VkJaNWQyOG9oeEhsS2hJb04tMHRndTZfWlRRUW04d3FmbzQ4R2tDMmJxZ3BvSjRsU2I2amxTdzBlZ1dtOEJmcGhIRGF2ODlHUWVIZHNtSU9QSi1QVWVfLWhTbWc3b0x2ZUY5ZWFockhKM2FvNXF3S01CM1RjYlY2aERnbFVTQWdrODZPS1RtM0dfS3piLTRWMXM4S2lzRFl1X3Q5Y2x3ZTBuUkhBV3NmOFJxSGFqMlVTdw?oc=5) · Prime Publishers, Inc.
- 2026-05-24 [Thomaston Savings Bank’s Tony Mattioli promoted to 1st VP - The Bristol Edition](https://news.google.com/rss/articles/CBMimwFBVV95cUxQcWNyTFUxM3d1MGs2MHhONlNBb0tnb3JNYmFKdWtuNnBzalU2aUo5VS1tYWZpdDh0Qmw2MG1IQzg0T1hmdzdvbDhYcFQ3VFJFbWViZ3czVTdndEUxVV92Rjh0ODZWN29ybmM1R1hrbGNJalpVSm11LWNBSDg5M2dMSWlDNUNFYjI4eGN5b3pDbE5qNWRLemVsUm9VYw?oc=5) · The Bristol Edition
- 2025-10-03 [Thomaston Savings Bank reopens remodeled Middlebury branch - Hartford Business Journal](https://news.google.com/rss/articles/CBMinAFBVV95cUxNRk95aUZWRG92dmZwY0NBdExndW1YTTQ3ZUJMYXo0dHhaQjVpUXc2Uzh6OTNVTU5rZGs5dW9hRXZobllVX1czbXFHRzVqQWw0cDdUdndsczNtWV9GVDhyVkFiZHdMUHZSTDZ3S3lWVW43bFloQjJfZWJsTU1oamdjNkhvQ1gtdDF5QXZYYmR3MWFiRnVzYTMtYUxicTE?oc=5) · Hartford Business Journal
- 2026-08-11 [Thomaston Savings Bank Advances Self-Service Banking with Diebold Nixdorf DN Series® ATMs and Managed Services - PR Newswire](https://news.google.com/rss/articles/CBMi-AFBVV95cUxNdnpxOU1yZGNlWnBJcWZ1dzQ1aUJtYTJYS1gyb2VfalVfSS1HdmN1VzVlTkpmQWRERzlGdnFrYkVWLVlJTjV2aGRQeEd1SUtqYzZkaEFWUDJmU2lmeGZqbndzcGdxT2w2UGx0VExjSG8wdXNfRlBGdUk2SmlQUEFMcVoyaDhrZEFXSHZ3elFvU09UVG9WVXB4VW5nSGVjLXJjbTlGbXlnUzVxLW5HbUJWU1otNmNFQjI0NnZVa2hEa0JYR1BZNjF0d0tIRXZ4ZnVHRllPUGpFOTV5ck9hYVQ5Mm1IYjNxQmhKZ0Y3ajJpdlJndWpVaHpoeA?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18258 (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/18.json (key "18258", 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