🏦Bank Scorer

This institution is no longer active

Operations ceased on June 1, 2014. CRA examination history below reflects the period it was active.

FAMILYFIRST BANK

WARE, MA · Supervised by FDIC

Est. 1920FDIC #26,594RSSD: FDIC-26594
Satisfactory Same

Current rating · Exam: November 2011

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.40%

Institution Profile

FDIC BankFind

Address

40 Main Street, WARE, MA

County

Hampshire County

Established

January 1, 1920

Total Assets

$51M(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

November 1, 2011

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 14 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 2014Call Report / FDIC

Total Assets

$51M

Total Deposits

$38M

Net Loans

$30M

Net Income

$-178K

ROA

-1.40%

ROE

-20.12%

Risk-Based Capital

12.91%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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