This institution is no longer active

Operations ceased on May 6, 1994. CRA examination history below reflects the period it was active.

COMMERCIAL BANK AND TRUST COMPANY

LOWELL, MA · Supervised by FDIC

Est. 1961FDIC #18,332RSSD: FDIC-18332

Needs to Improve

Current rating · Exam: April 1992

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Needs Attention

ROA -1.01%

Institution Profile

FDIC BankFind

Address

88 Prescott Street, LOWELL, MA

County

Middlesex County

Established

January 3, 1961

Total Assets

$30M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

April 1, 1992

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 34 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 1994Call Report / FDIC

Total Assets

$30M

Total Deposits

$30M

Net Loans

$19M

Net Income

$-79K

ROA

-1.01%

ROE

-71.09%

Risk-Based Capital

3.04%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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