🏦Bank Scorer

This institution is no longer active

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

WINSTED SAVINGS BANK

WINSTED, CT · Supervised by FDIC

Est. 1860FDIC #18,230RSSD: FDIC-18230
Outstanding Up

Current rating · Exam: March 1996

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.75%

Institution Profile

FDIC BankFind

Address

654 Main Street, WINSTED, CT

County

Litchfield County

Established

August 24, 1860

Total Assets

$135M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 1, 1996

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 30 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 1995Call Report / FDIC

Total Assets

$135M

Total Deposits

$124M

Net Loans

$97M

Net Income

$1M

ROA

0.75%

ROE

10.89%

Risk-Based Capital

13.59%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 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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