🏦Bank Scorer

This institution is no longer active

Operations ceased on August 15, 1994. CRA examination history below reflects the period it was active.

STERLING BANK

WALTHAM, MA · Supervised by FDIC

Est. 1853FDIC #90,292RSSD: FDIC-90292
Part ofSTERLING BANCSHARES CORP→ View all charters
Outstanding Up

Current rating · Exam: April 1993

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Needs Attention

ROA -0.27%

Is this bank safe?

STERLING BANK earned an Outstanding CRA rating (1993), shows financial metrics that merit closer review (ROA -0.27%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

One Moody Street, WALTHAM, MA

County

Middlesex County

Established

March 19, 1853

Total Assets

$1.0B(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

April 1, 1993

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 33 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 1994Call Report / FDIC

Total Assets

$1.0B

Total Deposits

$601M

Net Loans

$433M

Net Income

$-1,372K

ROA

-0.27%

Below avg for Community banks. Peer avg: 0.90%

ROE

-4.08%

Risk-Based Capital

13.91%

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).

ROA-0.27%Peer avg: 0.90%▼ Below avg
Risk-Based Capital13.91%Peer avg: 12.91%▲ Above avg

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

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Apr 1993OutstandingNot Reported
Jan 1991SatisfactoryNot Reported

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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