This institution is no longer active

Operations ceased on July 1, 2021. CRA examination history below reflects the period it was active.

BOSTON PRIVATE BANK & TRUST COMPANY

BOSTON, MA · Supervised by FDIC

Est. 1983FDIC #24,811RSSD: FDIC-24811

Part ofBOSTON PRIVATE FINL HOLDINGS→ View all charters

Satisfactory Down

Current rating · Exam: July 2015

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.76%

Is this bank safe?

BOSTON PRIVATE BANK & TRUST COMPANY holds a Satisfactory CRA rating (2015), and meets basic financial requirements (ROA +0.76%).

Institution Profile

FDIC BankFind

Address

10 Post Office Sq, BOSTON, MA

County

Suffolk County

Established

November 21, 1983

Total Assets

$10.2B(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

July 1, 2015

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 10 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 2021Call Report / FDIC

Total Assets

$10.2B

Total Deposits

$9.1B

Net Loans

$7.1B

Net Income

$39M

ROA

0.76%

Below avg for Regional banks. Peer avg: 0.88%

ROE

8.83%

Risk-Based Capital

12.81%

Below avg for Regional banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Regional banks

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

ROA0.76%Peer avg: 0.88%▼ Below avg

Risk-Based Capital12.81%Peer avg: 30.04%▼ Below avg

Mortgage Denial Rate3.52%Peer avg: 26.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2021	1,135	82.2%	3.52%
2020	1,223	79.56%	3.76%
2019	1,239	78.61%	5.49%
2018	1,145	78.34%	5.68%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Jul 2015	Satisfactory	Large Bank
Mar 2012	Outstanding	Large Bank
Aug 2008	Outstanding	Large Bank

7 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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