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This institution is no longer active

Operations ceased on September 19, 1998. CRA examination history below reflects the period it was active.

CHARLESTOWN CO-OPERATIVE BANK

CHARLESTOWN, MA · Supervised by FDIC

Est. 1913FDIC #26,660RSSD: FDIC-26660
Outstanding Up

Current rating · Exam: November 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

Strong

ROA 1.04%

Institution Profile

FDIC BankFind

Address

201 Main Street, CHARLESTOWN, MA

County

Suffolk County

Established

January 1, 1913

Total Assets

$18M(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

November 1, 1996

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 29 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 1998Call Report / FDIC

Total Assets

$18M

Total Deposits

$16M

Net Loans

$15M

Net Income

$94K

ROA

1.04%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.07%

Risk-Based Capital

17.43%

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).

ROA1.04%Peer avg: 0.44%▲ Above avg
Risk-Based Capital17.43%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam DateRatingExam Type
Nov 1996OutstandingSmall Bank
Sep 1994SatisfactoryNot Reported
Apr 1992SatisfactoryNot Reported

1 previous rating 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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