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This institution is no longer active

Operations ceased on August 12, 2023. CRA examination history below reflects the period it was active.

SALISBURY BANK AND TRUST COMPANY

LAKEVILLE, CT · Supervised by FDIC

Est. 1874FDIC #18,467RSSD: FDIC-18467
Part ofSALISBURY BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.98%

Institution Profile

FDIC BankFind

Address

5 Bissell St, LAKEVILLE, CT

County

Northwest Hills County

Established

January 1, 1874

Total Assets

$1.6B(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, 2020

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 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 2023Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.4B

Net Loans

$1.2B

Net Income

$8M

ROA

0.98%

ROE

10.18%

Risk-Based Capital

13.66%

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 Rate6.55%Peer avg: 9.91%▲ Above avg

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

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202316875%6.55%
202240672.66%5.67%
202163277.06%5.06%
202071869.22%7.38%
201930065.67%16.00%
201831069.35%12.26%

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 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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