This institution is no longer active
Operations ceased on November 12, 2021. CRA examination history below reflects the period it was active.
SOMERVILLE, MA · Supervised by FDIC
Contact & Details
FDIC BankFindFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$7.1B
Total Deposits
$6.2B
Net Loans
$2.9B
Net Income
$34M
ROA
0.65%
Below avg for Community banks. Peer avg: 0.90%
ROE
11.12%
Risk-Based Capital
13.35%
Above avg for Community banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2021 | 529 | 68.62% | 9.07% |
| 2020 | 1,349 | 62.79% | 11.34% |
| 2019 | 1,885 | 64.3% | 16.34% |
| 2018 | 1,766 | 62.34% | 17.33% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| May 2021 | Satisfactory | Large Bank |
| Apr 2018 | Satisfactory | Large Bank |
| Mar 2015 | Satisfactory | Large Bank |
8 previous ratings locked — back to 1992
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Total Assets