This institution is no longer active

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

MIDDLESEX BANK & TRUST COMPANY

NEWTON, MA · Supervised by FDIC

Est. 1997FDIC #34,266RSSD: FDIC-34266

Needs to Improve Same

Current rating · Exam: April 2001

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Needs Attention

ROA -1.43%

Institution Profile

FDIC BankFind

Address

188 Needham Street, NEWTON, MA

County

Middlesex County

Established

June 2, 1997

Total Assets

$50M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

April 1, 2001

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 25 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 Q2 2002Call Report / FDIC

Total Assets

$50M

Total Deposits

$34M

Net Loans

$33M

Net Income

$-312K

ROA

-1.43%

ROE

-12.54%

Risk-Based Capital

12.63%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1999

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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