The Torrington Savings Bank
Torrington, CT
IDRSSD: 65205
Total Assets
$980.97M
Latest filing
Total Deposits
$777.55M
Latest filing
Net Interest Margin
3.04%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 08/15/1868 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 06790 |
| State and County Number | 09160 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 130 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 10/22/1947 |
| Primary Insurance Agency | DIF |
| Website | www.torringtonsavings.bank |
| Data Updated | 11/14/2025 |
| CERT | 16636 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $980.97M |
| Total Deposits | $777.55M |
| Total Liabilities | $802.34M |
| Total Equity Capital | $178.63M |
| Net Income | $-4,047,000 |
| Net Loans and Leases | $756.60M |
| Assets Per Employee ($Millions) | $7.6M |
| Bank Premises and Fixed Assets | $11.02M |
| Cash and Balances due from Depository Institutions | $46.16M |
| Deposits Held in Domestic Offices | $777.55M |
Key Performance Ratios
| Return on Assets (ROA) | -1.62% |
| Return on Equity (ROE) | -8.97% |
| Net Interest Margin | 3.04% |
| Efficiency Ratio | 805.16% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 18.209% |
| Earning Assets to total Assets | 92.09% |
Income and Expense
| Total Interest Income | $11.15M |
| Total Noninterest Income | $-6,262,000 |
| Total Interest Expense | $4.12M |
| Total Noninterest Expense | $6.24M |
| Net Interest Income | $7.04M |
| Pre-tax Net Operating Income | $-5,616,000 |
| Provision for Credit Losses | $150.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $16.11M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.68M |
| Total Liabilities and Capital | $980.97M |
Securities
| Securities | $107.22M |
| Available-for-sale debt securities | $106.77M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Torrington Savings Bank?
$980.97M as of the latest filing.
How much are The Torrington Savings Bank's total deposits?
$777.55M in total deposits.
Where is The Torrington Savings Bank located?
Torrington, CT.
What is the Net Interest Margin?
3.04%.
How many domestic offices does it operate?
10.
When was it established?
08/15/1868.
What is the Return on Assets (ROA)?
-1.62%.
How much are total loans and leases?
$756.60M (latest filing).
What is the total interest income (latest filing)?
$11.15M.