🏦Bank Scorer

EASTHAMPTON SAVINGS BANK

EASTHAMPTON, MA · Supervised by FDIC

Est. 1869FDIC #90,188RSSD: FDIC-90188
Part ofHOMETOWN FINANCIAL GROUP MHC→ View all charters
Satisfactory Same

Current rating · Exam: July 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.84%

Institution Profile

FDIC BankFind

Address

36 Main St, EASTHAMPTON, MA

County

Hampshire County

Established

February 10, 1869

Total Assets

$2.0B(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, 2012

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 13 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 Q1 2026Call Report / FDIC

Total Assets

$2.0B

Total Deposits

$1.8B

Net Loans

$1.6B

Net Income

$4M

ROA

0.84%

ROE

8.67%

Risk-Based Capital

12.85%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate11.76%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

11

Branch Deposits

$1.8B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20231,35274.56%11.76%
202274868.72%9.89%
202164968.1%11.71%
202084564.73%9.82%
201954569.72%8.81%
201851669.77%8.53%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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