TellerScore

Headquartered in Thomaston, Connecticut, Thomaston Savings Bank is a si with $1.9B in total assets and $1.7B in deposits as of Q2 2026. It operates 16 offices. Its charter dates back to 1874.

Based on its Q2 2026 filing, Thomaston Savings Bank scores 68/100, which we describe as moderate. That is higher than only 49% of 897 banks with $1 billion – $10 billion. Among 27 banks headquartered in Connecticut, it ranks 13th. Its strongest component is problem-loan coverage (90/100; 4.9%), and its lowest is capital cushion (57/100; 10.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Tier 1 leverage ratio: 10.68%
Loan quality78/100
Noncurrent loans ÷ total loans: 0.65%
Earnings63/100
Return on assets (annualized): 1.07%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 84.0% · 26.3% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.94%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (64 → 68), mostly because the earnings component improved by 14 points.

TellerScore
606468Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202460
Q4 202461
Q1 202564
Q2 202564
Q3 202564
Q4 202564
Q1 202667
Q2 202668
Tier 1 leverage ratio
5.00%7.84%10.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.57%
Q3 20249.67%
Q4 20249.72%
Q1 20259.93%
Q2 202510.09%
Q3 202510.19%
Q4 202510.24%
Q1 202610.43%
Q2 202610.68%
Noncurrent loans
0.53%0.64%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.64%
Q3 20240.75%
Q4 20240.68%
Q1 20250.53%
Q2 20250.63%
Q3 20250.61%
Q4 20250.62%
Q1 20260.65%
Q2 20260.65%
Return on assets
0.45%0.76%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.45%
Q3 20240.48%
Q4 20240.51%
Q1 20250.61%
Q2 20250.72%
Q3 20250.73%
Q4 20250.78%
Q1 20261.04%
Q2 20261.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$1.9B10.68%0.65%1.07%84.0%
Q1 202667$1.9B10.43%0.65%1.04%84.8%
Q4 202564$1.9B10.24%0.62%0.78%84.7%
Q3 202564$1.9B10.19%0.61%0.73%83.6%
Q2 202564$1.9B10.09%0.63%0.72%81.7%
Q1 202564$1.8B9.93%0.53%0.61%81.6%
Q4 202461$1.8B9.72%0.68%0.51%81.1%
Q3 202460$1.8B9.67%0.75%0.48%80.1%
Q2 202461$1.8B9.57%0.64%0.45%79.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.68%
54th
Total risk-based capital0.00%
13th
Problem loans0.65%
40th
Net charge-offs0.04%
50th
Return on assets1.07%
35th
Net interest margin3.48%
36th
Efficiency ratio62.3%
39th
Loans to deposits84.0%
58th
Uninsured deposits26.3%
66th
Loan-loss reserves0.99%
30th
Texas ratio4.9%
39th

Similar-size banks in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Fairfield County BankBank Ridgefield, CT76 out of 100, Strong$1.9B14.3%0.05%vs
Newtown Savings BankBank Newtown, CT65 out of 100, Moderate$1.9B9.5%0.37%vs
Chelsea Groton BankBank Groton, CT82 out of 100, Strong$1.8B16.7%0.48%vs
Ives BankBank Danbury, CT67 out of 100, Moderate$1.7B13.9%1.41%vs
Ascend BankBank Guilford, CT66 out of 100, Moderate$1.5B9.7%0.50%vs
First County BankBank Stamford, CT61 out of 100, Moderate$2.4B9.6%0.24%vs

Deposit insurance

Is my money safe at Thomaston Savings Bank?

Yes. Thomaston Savings Bank is an FDIC-insured institution (FDIC certificate #18258). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.3% of deposits ($443.7M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.68%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

16 locations

Branches

Thomaston Savings Bank lists 16 offices in 13 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Thomaston Savings Bank reported 826 home-loan applications under HMDA (LEI 549300JBZ3MK7Z4FI764): 621 originated ($148,425,000 total), 115 denied, and 78 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Thomaston Savings Bank
Type
SI
FDIC certificate #
18258
RSSD ID
120609
Primary regulator
FDIC
Established
October 1, 1874
Headquarters
203 Main St, Thomaston, CT 06787
Employees
227

Quick answers

Thomaston Savings Bank: common questions

Is Thomaston Savings Bank FDIC insured?

Yes. Thomaston Savings Bank is an FDIC-insured institution (FDIC certificate #18258). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Thomaston Savings Bank's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Thomaston Savings Bank ever failed?

There is no failure record for FDIC certificate #18258 in the FDIC failed bank list.

How many branches does Thomaston Savings Bank have?

16 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Thomaston

InstitutionScoreAssetsCapitalProblem loansCompare
Waterbury Connecticut Teachers Federal Credit UnionCredit union Waterbury, CT91 out of 100, Very strong$365.2M17.1%0.26%vs
State Police Credit Union Inc.Credit union Meriden, CT91 out of 100, Very strong$84.0M15.1%0.06%vs
Sikorsky Financial Credit UnionCredit union Stratford, CT84 out of 100, Strong$1.5B12.9%0.25%vs
The Torrington Savings BankBank Torrington, CT82 out of 100, Strong$1.0B19.0%0.14%vs
Kief Protective Mutual Benefit Ass. Credit UnionCredit union Bloomfield, CT80 out of 100, Strong$605K22.2%0.00%vs
Liberty BankBank Middletown, CT79 out of 100, Strong$9.4B13.4%0.32%vs