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This institution is no longer active

Operations ceased on June 23, 2000. CRA examination history below reflects the period it was active.

MECHANICS SAVINGS BANK

HARTFORD, CT · Supervised by FDIC

Est. 1861FDIC #17,941RSSD: FDIC-17941
Part ofMECH FINANCIAL INC→ View all charters
Satisfactory Down

Current rating · Exam: September 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.16%

Institution Profile

FDIC BankFind

Address

100 Pearl Street, HARTFORD, CT

County

Hartford County

Established

July 1, 1861

Total Assets

$1.1B(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

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 Q1 2000Call Report / FDIC

Total Assets

$1.1B

Total Deposits

$646M

Net Loans

$737M

Net Income

$3M

ROA

1.16%

ROE

13.71%

Risk-Based Capital

15.15%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate19.12%Peer avg: 9.91%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
201925164.14%19.12%
201821466.82%14.02%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

3 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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