🏦Bank Scorer

This institution is no longer active

Operations ceased on January 1, 2009. CRA examination history below reflects the period it was active.

FLAGSHIP BANK AND TRUST COMPANY

WORCESTER, MA · Supervised by FDIC

Est. 1987FDIC #27,134RSSD: FDIC-27134
Outstanding Same

Current rating · Exam: November 2006

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.99%

Institution Profile

FDIC BankFind

Address

120 Front Street, WORCESTER, MA

County

Worcester County

Established

December 28, 1987

Total Assets

$532M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

November 1, 2006

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 19 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 Q4 2008Call Report / FDIC

Total Assets

$532M

Total Deposits

$380M

Net Loans

$357M

Net Income

$5M

ROA

0.99%

ROE

5.80%

Risk-Based Capital

12.65%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 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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