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This institution is no longer active

Operations ceased on April 1, 2019. CRA examination history below reflects the period it was active.

BELMONT SAVINGS BANK

BELMONT, MA · Supervised by FDIC

Est. 1885FDIC #23,901RSSD: FDIC-23901
Part ofBSB BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2017

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.73%

Institution Profile

FDIC BankFind

Address

2 Leonard Street, BELMONT, MA

County

Middlesex County

Established

January 1, 1885

Total Assets

$3.0B(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, 2017

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 8 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2019Call Report / FDIC

Total Assets

$3.0B

Total Deposits

$2.1B

Net Loans

$2.7B

Net Income

$-13,109K

ROA

-1.73%

ROE

-26.15%

Risk-Based Capital

11.71%

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 Rate16.06%Peer avg: 9.91%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202424973.9%16.06%
202333876.04%12.72%
202230282.78%7.95%
202129279.11%12.33%
202017871.35%21.35%
201925880.23%12.02%
20181,03885.26%5.68%

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

10 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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