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This institution is no longer active

Operations ceased on January 2, 2007. CRA examination history below reflects the period it was active.

WESTBANK

WEST SPRINGFIELD, MA · Supervised by FDIC

Est. 1962FDIC #18,532RSSD: FDIC-18532
Part ofWESTBANK CORP→ View all charters
Satisfactory Same

Current rating · Exam: May 2005

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.79%

Institution Profile

FDIC BankFind

Address

225 Park Avenue, WEST SPRINGFIELD, MA

County

Hampden County

Established

June 23, 1962

Total Assets

$714M(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 1, 2005

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 21 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 Q4 2006Call Report / FDIC

Total Assets

$714M

Total Deposits

$629M

Net Loans

$446M

Net Income

$-6,297K

ROA

-0.79%

ROE

-10.37%

Risk-Based Capital

11.02%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 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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