🏦Bank Scorer

PROFILE BANK, FSB

ROCHESTER, NH · Supervised by OTS

Est. 1907FDIC #28,155
Outstanding Up

Current rating · Exam: January 2009

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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 0.28%

Institution Profile

FDIC BankFind

Address

45 Wakefield St, ROCHESTER, NH

County

Strafford County

Established

January 1, 1907

Total Assets

$310M(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

January 12, 2009

Exam Type

Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 17 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)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$310M

Total Deposits

$281M

Net Loans

$193M

Net Income

$219K

ROA

0.28%

ROE

3.13%

Risk-Based Capital

16.62%

Regulatory minimum: 8%

Peer Comparison

Small banks

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

Mortgage Denial Rate17.65%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$288M

1-Year Change

+1

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246857.35%17.65%
20238359.04%28.92%
202210953.21%31.19%
201912859.38%18.75%
201812462.1%25.81%

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

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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