THOMASTON SAVINGS BANK

THOMASTON, CT · Supervised by FDIC

Est. 1874FDIC #18,258RSSD: FDIC-18258

Satisfactory Same

Current rating · Exam: October 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.04%

Institution Profile

FDIC BankFind

Website

www.thomastonsavingsbank.com

Address

203 Main St, THOMASTON, CT

County

Naugatuck Valley County

Established

October 1, 1874

Total Assets

$1.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2023

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Oct 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.9B

Total Deposits

$1.7B

Net Loans

$1.4B

Net Income

$5M

ROA

1.04%

ROE

11.44%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate15.59%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$1.6B

1-Year Change

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	911	74.53%	15.59%
2023	1,101	78.47%	10.63%
2022	694	81.41%	7.35%
2021	852	79.34%	10.56%
2020	867	77.05%	8.77%
2019	600	74.33%	13.83%
2018	416	69.23%	17.07%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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