🏦Bank Scorer

This institution is no longer active

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

LIBERTY BANK AND TRUST COMPANY

BOSTON, MA · Supervised by FDIC

Est. 1965FDIC #19,485RSSD: FDIC-19485
Satisfactory Same

Current rating · Exam: July 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.82%

Institution Profile

FDIC BankFind

Address

21 Milk Street, BOSTON, MA

County

Suffolk County

Established

September 8, 1965

Total Assets

$37M(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, 1999

Exam Type

Small 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

$37M

Total Deposits

$30M

Net Loans

$21M

Net Income

$684K

ROA

1.82%

ROE

11.33%

Risk-Based Capital

24.97%

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 Rate29.94%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202433452.4%29.94%
202330855.84%24.03%
202235651.12%18.26%
202149153.97%14.26%
202050354.87%9.74%
201942665.49%13.38%
201839166.24%15.09%

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

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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