PITTSFIELD, MA · Supervised by FDIC
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$445M
Total Deposits
$323M
Net Loans
$331M
Net Income
$138K
ROA
0.13%
Below avg for Small banks. Peer avg: 0.44%
ROE
1.00%
Risk-Based Capital
19.85%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 107 | 71.03% | 12.15% |
| 2023 | 139 | 71.22% | 15.83% |
| 2022 | 176 | 82.39% | 9.09% |
| 2021 | 198 | 76.77% | 7.58% |
| 2020 | 197 | 78.68% | 5.08% |
| 2019 | 159 | 77.99% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Oct 2023 | Satisfactory | Intermediate Small Bank |
| May 2020 | Satisfactory | Small Bank |
| Sep 2017 | Satisfactory | Small Bank |
6 previous ratings locked — back to 1993
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Total Branches
5
Branch Deposits
$314M
1-Year Change
0
5-year net change: +1 branches
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Preview:
| 2018 | 167 | 76.65% | 5.99% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red