This institution is no longer active

Operations ceased on August 1, 2022. CRA examination history below reflects the period it was active.

PATRIOT COMMUNITY BANK

WOBURN, MA · Supervised by FDIC

Est. 2006FDIC #58,133RSSD: FDIC-58133

Satisfactory Same

Current rating · Exam: October 2011

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.86%

Is this bank safe?

PATRIOT COMMUNITY BANK holds a Satisfactory CRA rating (2011), meets basic financial requirements (ROA +0.86%).

Institution Profile

FDIC BankFind

Address

237 Lexington St, WOBURN, MA

County

Middlesex County

Established

April 3, 2006

Total Assets

$200M(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

October 1, 2011

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 14 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 2022Call Report / FDIC

Total Assets

$200M

Total Deposits

$168M

Net Loans

$133M

Net Income

$875K

ROA

0.86%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.60%

Risk-Based Capital

25.81%

Above 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).

ROA0.86%Peer avg: 0.44%▲ Above avg

Risk-Based Capital25.81%Peer avg: 23.03%▲ Above avg

Mortgage Denial Rate3.00%Peer avg: 6.90%▼ Fewer than avg

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

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2021	634	93.53%	3.00%
2020	668	91.32%	1.95%
2019	239	88.7%	2.09%
2018	231	87.45%	2.16%

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Oct 2011	Satisfactory	Small Bank
Aug 2008	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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