Massmutual Trust Co
Windsor, Connecticut · FDIC Cert #35394
Massmutual Trust Co is an FDIC-insured bank (Certificate #35394) with $91M in total assets and $51M in total deposits as of the Q2 2024 Call Report. Headquartered in Windsor, Connecticut, the bank maintains a Tier 1 capital ratio of 51.17% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (100/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Massmutual Trust Co (FDIC cert 35394) is a community bank — $91M in total assets, $51M in deposits, serving the Windsor, Connecticut area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 51.17% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 88.1% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 6.43% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Massmutual Trust Co carries a composite BankHealth grade of A (100/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Massmutual Trust Co
- Total Assets
- $91M
- Total Deposits
- $51M
- Tier 1 Capital Ratio
- 51.17%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 88.11%
- Return on Assets
- 6.43%
- Headquarters
- Windsor, Connecticut
- FDIC Certificate
- #35394
- Health Grade
- A (100/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Massmutual Trust Co holds a Tier 1 capital ratio of 51.17%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Massmutual Trust Co has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Massmutual Trust Co shows strong financial health indicators. With $91M in assets and a Health Score of 100/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Massmutual Trust Co Compares
Massmutual Trust Co’s Health Score of 100 is 36 points above the Connecticut state average of 64 across 28 FDIC-insured banks. Its 51.17% Tier 1 capital ratio is 37.2 points above the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 6.43% is in line with or above the national ROA benchmark of ~1.1%. Among 1025 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Massmutual Trust Co is 30 points above the portfolio average of 70.
Frequently Asked Questions
Massmutual Trust Co has a Bank Health Score of A (100/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 51.17%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Massmutual Trust Co's Tier 1 capital ratio of 51.17% and nonperforming loan ratio of 0.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Massmutual Trust Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #35394). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Massmutual Trust Co holds $91M in total assets and $51M in total deposits. It is headquartered in Windsor, Connecticut (FDIC Certificate #35394).
Massmutual Trust Co has a Tier 1 capital ratio of 51.17%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 6.43%.
Yes. Massmutual Trust Co is FDIC-insured (Certificate #35394). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Massmutual Trust Co's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.