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This institution is no longer active

Operations ceased on January 1, 2008. CRA examination history below reflects the period it was active.

LYNDONVILLE SAVINGS BANK AND TRUST COMPANY

LYNDONVILLE, VT · Supervised by FDIC

Est. 1922FDIC #14,155RSSD: FDIC-14155
Outstanding Same

Current rating · Exam: August 2005

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Needs Attention

ROA -0.42%

Is this bank safe?

LYNDONVILLE SAVINGS BANK AND TRUST COMPANY earned an Outstanding CRA rating (2005), shows financial metrics that merit closer review (ROA -0.42%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

98 Broad, LYNDONVILLE, VT

County

Caledonia County

Established

December 27, 1922

Total Assets

$149M(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

August 1, 2005

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 20 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 2007Call Report / FDIC

Total Assets

$149M

Total Deposits

$120M

Net Loans

$105M

Net Income

$-656K

ROA

-0.42%

Below avg for Small banks. Peer avg: 0.44%

ROE

-4.72%

Risk-Based Capital

12.94%

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).

ROA-0.42%Peer avg: 0.44%▼ Below avg
Risk-Based Capital12.94%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Aug 2005OutstandingSmall Bank
May 1999OutstandingSmall Bank
Dec 1995SatisfactoryNot Reported

3 previous ratings 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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