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This institution is no longer active

Operations ceased on December 31, 2002. CRA examination history below reflects the period it was active.

WARREN FIVE CENTS SAVINGS BANK

PEABODY, MA · Supervised by FDIC

Est. 1854FDIC #24,688RSSD: FDIC-24688
Part ofWARREN BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2002

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.31%

Institution Profile

FDIC BankFind

Address

10 Main Street, PEABODY, MA

County

Essex County

Established

April 8, 1854

Total Assets

$481M(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

March 1, 2002

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 24 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 2002Call Report / FDIC

Total Assets

$481M

Total Deposits

$400M

Net Loans

$366M

Net Income

$5M

ROA

1.31%

ROE

14.61%

Risk-Based Capital

12.56%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

4 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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