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This institution is no longer active

Operations ceased on November 12, 2021. CRA examination history below reflects the period it was active.

CENTURY BANK AND TRUST COMPANY

SOMERVILLE, MA · Supervised by FDIC

Est. 1969FDIC #19,943RSSD: FDIC-19943
Part ofCENTURY BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.65%

Institution Profile

FDIC BankFind

Address

102 Fellsway W, SOMERVILLE, MA

County

Middlesex County

Established

May 1, 1969

Total Assets

$7.1B(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

May 1, 2021

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 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 Q3 2021Call Report / FDIC

Total Assets

$7.1B

Total Deposits

$6.2B

Net Loans

$2.9B

Net Income

$34M

ROA

0.65%

ROE

11.12%

Risk-Based Capital

13.35%

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 Rate9.07%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202152968.62%9.07%
20201,34962.79%11.34%
20191,88564.3%16.34%
20181,76662.34%17.33%

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 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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