The MassMutual Trust Company


200 Great Pond Dr
Windsor, CT 06095
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Notable Rates APY Vs.Others
Savings N.A. 1.65% →
1-Year CD N.A. 2.02% →
2-Year CD N.A. 2.87% →
5-Year CD N.A. 3.50% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

The MassMutual Trust Company is an FDIC insured institution located in Windsor, CT. It was founded in 2000 and has approximately $0.09 billion in assets.

FDIC Insured Yes
FDIC Certificate # 35394
Date Established 2000
Assets $ 93.89 million
Loans N.A.
Deposits $ 50.50 million
Capital $ 29.01 million

For a more detailed analysis of The MassMutual Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - June 30, 2022

Your Current Location: Connecticut, CT 06828


Loan Rates - June 30, 2022

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for The MassMutual Trust Company

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 2890
License#: 13256
5.371% 5.250%
1.00 points
$3,412 fees
$1,381 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
6.086% 5.990%
0.88 points
$2,590 fees
$1,498 Learn More

Note to The MassMutual Trust Company
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Financial Details

The MassMutual Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The MassMutual Trust Company. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The MassMutual Trust Company U.S. Bank Average
0% 3.95%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2021, The MassMutual Trust Company had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $29,014,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
The MassMutual Trust Company U.S. Bank Average
12.85% 10.50%

The MassMutual Trust Company has a Return on Equity of 12.85% versus the BestCashCow average of 10.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

The MassMutual Trust Company U.S. Bank Average
30.9% 11.55%

The MassMutual Trust Company has a Capitalization of 30.9% versus the BestCashCow average of 11.55. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The MassMutual Trust Company Balance Sheet Analysis

As of December 31, 2021, The MassMutual Trust Company had assets of $93,889,000, loans of $0, and deposits of $50,500,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2021
Cash & Balances due from depository institutions $ 15.00 million
Interest-bearing balances N.A.
Total securities $ 69.77 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases N.A.
Loan loss allowance N.A.
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 8.13 million
     Total Assets $ 64.88 million
Total deposits $ 50.50 million
      Interest-bearing deposits $ 50.50 million
      Deposits held in domestic offices $ 50.50 million
      % insured (estimated) 2.48%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 14.38 million
      Total Liabilities $ 64.88 million
      Shareholders’ Equity $ 29.01 million

Summary Income Statement

December 31, 2021
Total Interest Income $ 0.90 million
Total Interest Expense $ 0.36 million
Net interest income $ 0.54 million
Provision for loan and lease losses N.A.
Total non interest income $ 42.71 million
Total non interest expense $ 38.01 million
Pre-tax Net Operating Income $ 5.25 million

Bank Loan Profile?

The top three loan types in The MassMutual Trust Company’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, The MassMutual Trust Company’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans nan
Credit Card Loans nan
Consumer Auto Loans nan
Small Business Loans nan
Construction and Development Loans nan
Commercial Real Estate nan
Commercial and Industrial Loans nan
Farm Loans nan

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