The Wilton Bank


47 Old Ridgefield Road
Wilton, CT 06897
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.10% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

The Wilton Bank is an FDIC insured institution located in Wilton, CT. It was founded in 1987 and has approximately $0.07 billion in assets.

FDIC Insured Yes
FDIC Certificate # 26948
Date Established 1987
Assets $ 69.60 million
Loans $ 28.94 million
Deposits $ 62.69 million
Capital $ 6.55 million

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

Deposit Rates - October 17, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - October 17, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for The Wilton Bank

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 2021

Lender APR Rate (%) Monthly
Learn More
Simplist Mortgage, LLC
NMLS ID: 1764611
License#: ML-1764611
2.738% 2.690%
0.63 points
$1,562 fees
$1,013 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to The Wilton Bank
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Financial Details

The Wilton Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Wilton Bank. 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 Wilton Bank U.S. Bank Average
121.11% 4.78%

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 June 30, 2021, The Wilton Bank had $7,101,000 in non-current loans and $1,895,000 in owned real estate. To cover these potential losses it had $6,546,000 in equity and $882,000 in loans loss reserves. That gives it a Texas Ratio of 121.11%.

Return on Equity
The Wilton Bank U.S. Bank Average
-27.12% 11.29%

The Wilton Bank has a Return on Equity of -27.12% versus the BestCashCow average of 11.29%. 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 Wilton Bank U.S. Bank Average
9.41% 11.72%

The Wilton Bank has a Capitalization of 9.41% versus the BestCashCow average of 11.72. 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 Wilton Bank Balance Sheet Analysis

As of September 30, 2013, The Wilton Bank had assets of $69,599,000, loans of $28,939,000, and deposits of $62,694,000. 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

June 30, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 28.94 million
Loan loss allowance $ 0.88 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.90 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 62.69 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 69.60 million

Summary Income Statement

June 30, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in The Wilton Bank’s loan portfolio are Construction and Development Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in Connecticut, The Wilton Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

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 20.65
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 13.49
Construction and Development Loans 36.42
Commercial Real Estate 30.66
Commercial and Industrial Loans 8.29
Farm Loans 0.00

Frequently Asked Questions About The Wilton Bank

Branches and Savings

Is The Wilton Bank FDIC insured?

Yes. It is covered under FDIC Certificate #26948.

Why does The Wilton Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The Wilton Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The Wilton Bank a commercial bank?


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Does The Wilton Bank offer mortgages?

Compare mortgage rates here.

Does The Wilton Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Wilton Bank offer personal loans?

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Does The Wilton Bank offer student loans?

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Background on The Bank

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