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This institution is no longer active

Operations ceased on November 30, 2010. CRA examination history below reflects the period it was active.

RIVERBANK

NORTH ANDOVER, MA · Supervised by FDIC

Est. 1868FDIC #23,288RSSD: FDIC-23288
Part ofLSB CORP→ View all charters
Outstanding Same

Current rating · Exam: June 2008

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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 0.78%

Institution Profile

FDIC BankFind

Address

30 Massachusetts Avenue, NORTH ANDOVER, MA

County

Essex County

Established

March 10, 1868

Total Assets

$780M(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

June 5, 2008

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 18 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 Q3 2010Call Report / FDIC

Total Assets

$780M

Total Deposits

$478M

Net Loans

$532M

Net Income

$5M

ROA

0.78%

ROE

10.17%

Risk-Based Capital

12.53%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

6 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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