This institution is no longer active

Operations ceased on October 21, 2016. CRA examination history below reflects the period it was active.

CHICOPEE SAVINGS BANK

CHICOPEE, MA · Supervised by FDIC

Est. 1854FDIC #90,179RSSD: FDIC-90179

Part ofCHICOPEE BCORP INC→ View all charters

Outstanding Same

Current rating · Exam: October 2013

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.42%

Institution Profile

FDIC BankFind

Address

70 Center Street, CHICOPEE, MA

County

Hampden County

Established

March 31, 1854

Total Assets

$724M(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

October 1, 2013

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 12 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 Q3 2016Call Report / FDIC

Total Assets

$724M

Total Deposits

$567M

Net Loans

$611M

Net Income

$2M

ROA

0.42%

Below avg for Small banks. Peer avg: 0.44%

ROE

3.76%

Risk-Based Capital

14.20%

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).

ROA0.42%Peer avg: 0.44%▼ Below avg

Risk-Based Capital14.20%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Oct 2013	Outstanding	Intermediate Small Bank
Mar 2011	Outstanding	Intermediate Small Bank
Feb 2007	Outstanding	Intermediate Small Bank

5 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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