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This institution is no longer active

Operations ceased on October 11, 2019. CRA examination history below reflects the period it was active.

THE SIMSBURY BANK & TRUST COMPANY

SIMSBURY, CT · Supervised by FDIC

Est. 1995FDIC #33,999RSSD: FDIC-33999
Part ofSBT BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2018

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.86%

Institution Profile

FDIC BankFind

Address

981 Hopmeadow Street, SIMSBURY, CT

County

Hartford County

Established

March 31, 1995

Total Assets

$532M(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, 2018

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 7 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 2019Call Report / FDIC

Total Assets

$532M

Total Deposits

$475M

Net Loans

$367M

Net Income

$3M

ROA

0.86%

ROE

10.06%

Risk-Based Capital

13.76%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate5.66%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
201937177.36%5.66%
201841481.4%2.90%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1996

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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