This institution is no longer active

Operations ceased on January 1, 2002. CRA examination history below reflects the period it was active.

FRANKLIN-LAMOILLE BANK

SAINT ALBANS, VT · Supervised by FDIC

Est. 1899FDIC #14,167RSSD: FDIC-14167

Part ofBANKNORTH GROUP INC→ View all charters

Outstanding Same

Current rating · Exam: September 1999

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 1.63%

Is this bank safe?

FRANKLIN-LAMOILLE BANK earned an Outstanding CRA rating (1999), is financially strong (ROA +1.63%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

8 North Main Street, SAINT ALBANS, VT

County

Franklin County

Established

November 11, 1899

Total Assets

$334M(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

September 1, 1999

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 26 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 Q4 2001Call Report / FDIC

Total Assets

$334M

Total Deposits

$272M

Net Loans

$208M

Net Income

$5M

ROA

1.63%

Above avg for Small banks. Peer avg: 0.44%

ROE

22.16%

Risk-Based Capital

11.39%

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).

ROA1.63%Peer avg: 0.44%▲ Above avg

Risk-Based Capital11.39%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Sep 1999	Outstanding	Large Bank
Apr 1996	Outstanding	Small Bank
Feb 1994	Outstanding	Not Reported

1 previous rating locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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