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This institution is no longer active

Operations ceased on November 7, 2003. CRA examination history below reflects the period it was active.

THE NORTH AMERICAN BANK & TRUST COMPANY

WATERBURY, CT · Supervised by FDIC

Est. 1978FDIC #22,586RSSD: FDIC-22586
Satisfactory Same

Current rating · Exam: July 2002

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.58%

Institution Profile

FDIC BankFind

Address

132 Grand Street, WATERBURY, CT

County

New Haven County

Established

January 3, 1978

Total Assets

$189M(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, 2002

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 23 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 2003Call Report / FDIC

Total Assets

$189M

Total Deposits

$150M

Net Loans

$97M

Net Income

$840K

ROA

0.58%

ROE

7.67%

Risk-Based Capital

12.83%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 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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