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This institution is no longer active

Operations ceased on January 1, 2002. CRA examination history below reflects the period it was active.

FRANKLIN-LAMOILLE BANK

SAINT ALBANS, VT · Supervised by FDIC

Est. 1899FDIC #14,167RSSD: FDIC-14167
Part ofBANKNORTH GROUP INC→ View all charters
Outstanding Same

Current rating · Exam: September 1999

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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 1.63%

Institution Profile

FDIC BankFind

Address

8 North Main Street, SAINT ALBANS, VT

County

Franklin County

Established

November 11, 1899

Total Assets

$334M(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

September 1, 1999

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 26 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 2001Call Report / FDIC

Total Assets

$334M

Total Deposits

$272M

Net Loans

$208M

Net Income

$5M

ROA

1.63%

ROE

22.16%

Risk-Based Capital

11.39%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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