Connecticut · Q2 2026
Naugatuck Valley Planning Region, Connecticut
0.0% of Naugatuck Valley Planning Region deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.
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Banks behind this number
9 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| Thomaston Savings Bank | Thomaston, CT | $1.9B | Below | — | 79.5% |
| Ion Bank | Naugatuck, CT | $2.8B | Below | — | 57.2% |
| Newtown Savings Bank | Newtown, CT | $1.9B | Below | — | 28.0% |
| Ives Bank | Danbury, CT | $1.7B | Below | — | 11.2% |
| Liberty Bank | Middletown, CT | $9.4B | Below | — | 8.6% |
| Webster Bank, National Association | Stamford, CT | $86B | Below | — | 7.9% |
| Northwest Community Bank | Winsted, CT | $1.3B | Below | — | 7.4% |
| The Torrington Savings Bank | Torrington, CT | $1.0B | Below | — | 4.0% |
| Union Savings Bank | Danbury, CT | $3.3B | Concentrated | 300%+, growth test not met | 3.2% |
- Thomaston, CT$1.9B—79.5% of bank deposits
- Ion BankBelowNaugatuck, CT$2.8B—57.2% of bank deposits
- Newtown Savings BankBelowNewtown, CT$1.9B—28.0% of bank deposits
- Ives BankBelowDanbury, CT$1.7B—11.2% of bank deposits
- Liberty BankBelowMiddletown, CT$9.4B—8.6% of bank deposits
- Stamford, CT$86B—7.9% of bank deposits
- Winsted, CT$1.3B—7.4% of bank deposits
- Torrington, CT$1.0B—4.0% of bank deposits
- Union Savings BankConcentratedDanbury, CT$3.3B300%+, growth test not met3.2% of bank deposits
A bank can meet more than one condition at once, so the county counts above the table add up to more than the number of banks. Each row shows the strongest condition that bank meets.
What this means
None of the 9 banks under $100B in assets with a branch in Naugatuck Valley Planning Region are above a regulatory CRE concentration threshold this quarter. Another 1 carries commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 1.0%.
Coverage is 55%: the rest of the deposits in Naugatuck Valley Planning Region sit in banks above the $100B threshold, which this report does not evaluate. Concentration is exposure, not loss. A bank above a threshold is one the 2006 interagency guidance expects to hold more capital and document its underwriting, not one that has lost money. We tested whether counties in the top quartile of this score went on to deteriorate faster over the following eight quarters, and found no relationship. The backtest is published in full.
Concentration measures exposure, not loss. This is a map of exposure, not a forecast: our published backtest found no relationship between a county's score and subsequent deterioration.
Nothing on this page is investment advice.