← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · New England · Connecticut, the state note

Thomaston Savings Bank

Thomaston, Connecticut · $1.93B in assets · beside the 11 other Connecticut banks between $1B and $3B

The filing

84.8%
Loans / deposits
2nd of 12
62.3%
Efficiency
2nd of 12
1.05%
ROA
3rd of 12

Thomaston Savings Bank is the third largest of the 12 Connecticut banks between $1B and $3B, with $1.93B in assets at 30 June 2026. Loans are 84.8% of deposits, 2nd of 12 against a median of 98.7%, and equity is 9.4% of assets, 8th of 12. Loans grew +7.1% in the year, 7th of 12, and deposits grew 4.1%; the cohort's median loan growth is +7.7%.

Noncurrent loans are 0.65% of the book, 9th of 12 against a median of 0.49%; 0.14% is 30 to 89 days past due, and the allowance covers them 1.5 times. Commercial real estate is 36.3% of loans, 7th of 12 against a median of 34.0%, and 249% of capital, below the 300% screen, with construction at 39% against the 100% screen. CRE has grown +55.7% over 36 months, past the guidance's 50% prong.

Return on assets is 1.05%, 3rd of 12 against a median of 0.84%, on an efficiency ratio of 62.3%, 2nd of 12. Five years ago it was 0.96%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsCT banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 98.7% PB Patriot Bank National Association 75.2% TS Thomaston Savings Bank 84.8% AB Ascend Bank 88.1% IB Ion Bank 88.3% NS Newtown Savings Bank 97.3% NC Northwest Community Bank 97.7% FC First County Bank 99.7% TS Torrington Savings Bank 100.4% DB Dime Bank 101.2% FC Fairfield County Bank 102.4% IB Ives Bank 105.3% CG Chelsea Groton Bank 111.5%
Loans, year over yearCT banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +7.7% PB Patriot Bank National Association +50.9% AB Ascend Bank +30.0% FC First County Bank +12.9% DB Dime Bank +10.7% NC Northwest Community Bank +10.2% FC Fairfield County Bank +8.3% TS Thomaston Savings Bank +7.1% CG Chelsea Groton Bank +5.4% IB Ives Bank +4.6% NS Newtown Savings Bank +1.7% TS Torrington Savings Bank +1.3% IB Ion Bank -1.0%

SBA 7(a), FY2008 to FY2026

Thomaston Savings Bank is the 26th largest 7(a) lender into Connecticut of 230, with $34M across 198 loans, 0.8% of everything approved in the state (Webster Bank National Association leads with $446M). 5 of its 10 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Connecticut, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Litchfield, CT$9M4th of 508.1%+6.7 pts
Hartford, CT$8M14th of 1011.5%-1.4 pts
Capitol, CT$7M16th of 1011.4%-3.6 pts
Naugatuck Vly, CT$4M14th of 702.1%-5.6 pts
New Haven, CT$3M29th of 1000.7%quiet FY2022
Nw Hills, CT$1M22nd of 371.7%quiet FY2021
South Central Ct, CT$449K63rd of 700.1%-0.4 pts
Lower Ct River Vly, CT$244K38th of 410.2%quiet FY2020
Fairfield, CT$167K90th of 940.0%quiet FY2017
Middlesex, CT$25K44th of 460.0%quiet FY2009
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Construction45$10M29.4%0.03%368th of 2,063
Manufacturing34$10M28.1%0.02%477th of 2,246
Retail trade27$4M10.8%0.01%851st of 2,589
Accommodation & food services16$3M8.7%0.00%1050th of 2,596
Other services17$1M4.2%0.00%1015th of 2,248
7(a) lenders into Connecticut, share of approvals since FY2008230 lenders on record; the ten largest and Thomaston Savings Bank
WB Webster Bank National Association 11.1% $446M · 1,608 loans Ma Manufacturers and Traders Trust C… 7.9% $315M · 2,046 loans LO Live Oak Banking Company 7.7% $307M · 252 loans NS Newtek Small Business Finance, In… 5.7% $227M · 276 loans KN KeyBank National Association 4.3% $173M · 570 loans TB TD Bank, National Association 4.3% $173M · 1,038 loans BB Beacon Bank and Trust 3.6% $146M · 418 loans CB Celtic Bank Corporation 3.4% $134M · 178 loans WF Wells Fargo Bank National Associa… 3.1% $126M · 350 loans LB Liberty Bank 2.7% $109M · 734 loans TS Thomaston Savings Bank 0.9% $34M · 198 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers, Thomaston Savings Bank among them; owner-occupied excluded; bold marks a screen met
Thomaston Savings BankRankCohort median
Total CRE against capital, the 300% screen249%9th of 12240%
Construction against capital, the 100% screen39%8th of 1230%
Construction and land development, share of loans5.7%7th of 125.3%
Non-owner-occupied nonfarm nonresidential, share of loans25.4%11th of 1219.7%
Total CRE, the guidance definition, share of loans36.3%7th of 1234.0%
CRE growth over 36 months, the third prong+55.7%7th of 12+54.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Ion Bank$2.78B0.9%74.3%1.49%0.13%1.1%88.3%12.3%
First County Bank$2.42B0.5%80.5%0.24%0.03%0.9%99.7%7.9%
Thomaston Savings Bank$1.93B1.1%62.3%0.65%0.04%1.0%84.8%9.4%
Fairfield County Bank$1.92B0.7%75.3%0.05%0.00%1.2%102.4%12.9%
Newtown Savings Bank$1.87B0.8%72.2%0.37%0.01%1.3%97.3%8.9%
Chelsea Groton Bank$1.75B1.4%58.4%0.48%0.00%0.9%111.5%15.8%
Ives Bank$1.73B1.1%62.5%1.41%0.00%1.3%105.3%13.3%
Ascend Bank$1.49B1.0%69.4%0.50%0.06%0.8%88.1%10.1%
Patriot Bank National Association$1.32B0.7%86.5%2.75%-0.07%0.9%75.2%8.0%
Northwest Community Bank$1.26B0.5%79.5%0.60%0.00%0.9%97.7%6.9%
Dime Bank$1.21B0.9%67.0%0.20%0.32%1.0%101.2%11.3%
Torrington Savings Bank$1.00B0.6%76.8%0.14%0.00%0.9%100.4%18.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Thomaston Savings BankCohort median
20212026Change20212026Change
Loans$912M$1.43B+57%$944M$1.38B+46%
Deposits$1.35B$1.69B+25%$1.19B$1.34B+13%
NPA / loans0.48%0.65%+0.17 pts0.63%0.49%-0.14 pts
Efficiency65.4%62.3%-3.1 pts73.5%73.2%-0.2 pts
ROA0.96%1.05%+0.09 pts0.91%0.84%-0.07 pts

This read was prepared for Thomaston Savings Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Thomaston Savings Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CT banks $1B to $3B
Institution www.thomastonsavingsbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue