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This institution is no longer active

Operations ceased on June 12, 2017. CRA examination history below reflects the period it was active.

SOUTHBRIDGE SAVINGS BANK

SOUTHBRIDGE, MA · Supervised by FDIC

Est. 1848FDIC #23,524RSSD: FDIC-23524
Part ofSSB COMMUNITY BCORP MHC→ View all charters
Satisfactory Same

Current rating · Exam: January 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.01%

Institution Profile

FDIC BankFind

Address

253 Main Street # 257, SOUTHBRIDGE, MA

County

Worcester County

Established

April 20, 1848

Total Assets

$559M(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

January 1, 2012

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 14 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 2017Call Report / FDIC

Total Assets

$559M

Total Deposits

$424M

Net Loans

$482M

Net Income

$-11K

ROA

-0.01%

ROE

-0.10%

Risk-Based Capital

11.42%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 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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