🏦Bank Scorer

This institution is no longer active

Operations ceased on October 8, 2022. CRA examination history below reflects the period it was active.

ENVISION BANK

RANDOLPH, MA · Supervised by FDIC

Est. 1851FDIC #90,270RSSD: FDIC-90270
Part ofRANDOLPH BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.09%

Institution Profile

FDIC BankFind

Address

129 N Main St, RANDOLPH, MA

County

Norfolk County

Established

January 1, 1851

Total Assets

$832M(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

July 1, 2020

Exam Type

Intermediate Small 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 2022Call Report / FDIC

Total Assets

$832M

Total Deposits

$625M

Net Loans

$718M

Net Income

$545K

ROA

0.09%

ROE

0.86%

Risk-Based Capital

15.39%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.05%Peer avg: 7.63%▲ Above avg

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

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20221,54680.6%5.05%
20214,55684.66%3.99%
20205,65682.8%3.25%
20193,46682.11%3.52%
20181,98378.16%4.89%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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