🏦Bank Scorer

THE NATIONAL IRON BANK

SALISBURY, CT · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1847FDIC #2,496
Needs to Improve Down

Current rating · Exam: July 2023

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.72%

Institution Profile

FDIC BankFind

Address

195 Main St, SALISBURY, CT

County

Northwest Hills County

Established

August 17, 1847

Total Assets

$320M(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

July 24, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jul 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$320M

Total Deposits

$294M

Net Loans

$256M

Net Income

$589K

ROA

0.72%

ROE

9.29%

Risk-Based Capital

16.85%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$273M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

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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