This institution is no longer active

Operations ceased on August 5, 2006. CRA examination history below reflects the period it was active.

MERRILL LYNCH BANK AND TRUST COMPANY

PLAINSBORO, NJ · Supervised by FDIC

Est. 1984FDIC #91,363RSSD: FDIC-91363

Part ofMERRILL LYNCH&COMPANY INC→ View all charters

Outstanding Same

Current rating · Exam: May 2006

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 3.55%

Is this bank safe?

MERRILL LYNCH BANK AND TRUST COMPANY earned an Outstanding CRA rating (2006), is financially strong (ROA +3.55%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

800 Scudders Mill Road, PLAINSBORO, NJ

County

Middlesex County

Established

March 16, 1984

Total Assets

$9.5B(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

May 1, 2006

Exam Type

Wholesale/Limited Purpose

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 Q2 2006Call Report / FDIC

Total Assets

$9.5B

Total Deposits

$8.5B

Net Loans

$3.3B

Net Income

$182M

ROA

3.55%

Above avg for Community banks. Peer avg: 0.90%

ROE

45.73%

Risk-Based Capital

24.19%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA3.55%Peer avg: 0.90%▲ Above avg

Risk-Based Capital24.19%Peer avg: 12.91%▲ Above avg

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
May 2006	Outstanding	Wholesale/Limited Purpose
Sep 2003	Outstanding	Wholesale/Limited Purpose
Sep 2001	Outstanding	Wholesale/Limited Purpose

4 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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