This institution is no longer active

Operations ceased on April 1, 1996. CRA examination history below reflects the period it was active.

UNITED BANK & TRUST COMPANY

SPRINGFIELD, MA · Supervised by FDIC

Est. 1903FDIC #10,424RSSD: FDIC-10424

Part ofFLEET FINANCIAL GROUP INC→ View all charters

Satisfactory

Current rating · Exam: May 1990

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.32%

Institution Profile

FDIC BankFind

Address

One Monarch Place, SPRINGFIELD, MA

County

Hampden County

Established

June 26, 1903

Total Assets

$6.8B(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

May 9, 1990

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 36 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 1996Call Report / FDIC

Total Assets

$6.8B

Total Deposits

$5.7B

Net Loans

$2.5B

Net Income

$23M

ROA

1.32%

ROE

16.60%

Risk-Based Capital

14.32%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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