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This institution is no longer active

Operations ceased on January 1, 1999. CRA examination history below reflects the period it was active.

SPRINGFIELD INSTITUTION FOR SAVINGS

SPRINGFIELD, MA · Supervised by FDIC

Est. 1827FDIC #23,297RSSD: FDIC-23297
Part ofSIS BCORP INC→ View all charters
Outstanding Same

Current rating · Exam: December 1997

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.69%

Is this bank safe?

SPRINGFIELD INSTITUTION FOR SAVINGS earned an Outstanding CRA rating (1997), meets basic financial requirements (ROA +0.69%).

Institution Profile

FDIC BankFind

Address

1441 Main Street, SPRINGFIELD, MA

County

Hampden County

Established

June 16, 1827

Total Assets

$1.6B(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

December 1, 1997

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 28 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 1998Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.2B

Net Loans

$720M

Net Income

$11M

ROA

0.69%

Below avg for Community banks. Peer avg: 0.90%

ROE

9.72%

Risk-Based Capital

12.43%

Below 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).

ROA0.69%Peer avg: 0.90%▼ Below avg
Risk-Based Capital12.43%Peer avg: 12.91%▼ Below avg

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

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Dec 1997OutstandingSmall Bank
Jan 1996OutstandingNot Reported
Jul 1993OutstandingNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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