This institution is no longer active

Operations ceased on August 14, 2012. CRA examination history below reflects the period it was active.

BORDER TRUST COMPANY

AUGUSTA, ME · Supervised by FDIC

Est. 1969FDIC #20,012RSSD: FDIC-20012

Part ofBORDER BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: June 2008

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -2.63%

Is this bank safe?

BORDER TRUST COMPANY holds a Satisfactory CRA rating (2008), shows financial metrics that merit closer review (ROA -2.63%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

227 Water Street, AUGUSTA, ME

County

Kennebec County

Established

June 23, 1969

Total Assets

$45M(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

June 5, 2008

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 18 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 Q2 2012Call Report / FDIC

Total Assets

$45M

Total Deposits

$39M

Net Loans

$36M

Net Income

$-615K

ROA

-2.63%

Below avg for Small banks. Peer avg: 0.44%

ROE

-65.86%

Risk-Based Capital

6.11%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA-2.63%Peer avg: 0.44%▼ Below avg

Risk-Based Capital6.11%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate5.26%Peer avg: 6.90%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	475	84.21%	5.26%
2018	387	89.66%	5.68%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jun 2008	Satisfactory	Small Bank
Mar 2003	Satisfactory	Small Bank
Jan 1999	Satisfactory	Small Bank

2 previous ratings locked — 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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