This institution is no longer active

Operations ceased on September 1, 1991. CRA examination history below reflects the period it was active.

EAST BOSTON SAVINGS BANK

BOSTON, MA · Supervised by FDIC

Est. 1848FDIC #90,155RSSD: FDIC-90155

Satisfactory

Current rating · Exam: February 1991

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.84%

Is this bank safe?

EAST BOSTON SAVINGS BANK holds a Satisfactory CRA rating (1991), meets basic financial requirements (ROA +0.84%).

Institution Profile

FDIC BankFind

Address

10 Meridian Street, BOSTON, MA

County

Suffolk County

Established

April 14, 1848

Total Assets

$316M(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

February 9, 1991

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 35 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 1991Call Report / FDIC

Total Assets

$316M

Total Deposits

$274M

Net Loans

$216M

Net Income

$1M

ROA

0.84%

Above avg for Small banks. Peer avg: 0.44%

ROE

8.23%

Risk-Based Capital

15.49%

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).

ROA0.84%Peer avg: 0.44%▲ Above avg

Risk-Based Capital15.49%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate7.74%Peer avg: 6.90%▲ More than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2020	775	74.97%	7.74%
2019	502	77.69%	6.77%
2018	518	78.76%	8.69%

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

This is the only examination on record for this bank.

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