STONEHAMBANK, A CO-OPERATIVE BANK

STONEHAM, MA · Supervised by FDIC

Est. 1887FDIC #26,559RSSD: FDIC-26559

Satisfactory Same

Current rating · Exam: March 2026

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.50%

Institution Profile

FDIC BankFind

Website

stonehambank.com

Address

80 Montvale Ave, STONEHAM, MA

County

Middlesex County

Established

January 1, 1887

Total Assets

$903M(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

March 1, 2026

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Mar 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$903M

Total Deposits

$750M

Net Loans

$716M

Net Income

$1M

ROA

0.50%

ROE

6.46%

Risk-Based Capital

13.59%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate17.39%Peer avg: 7.63%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$716M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	92	65.22%	17.39%
2023	187	69.52%	9.09%
2022	144	79.17%	6.25%
2021	257	82.49%	7.78%
2020	654	85.47%	7.19%
2019	361	77.29%	8.31%
2018	250	77.6%	10.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — back to 1990

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/6b6bfb0c-d879-4fac-85b9-e704fc7a2dc0"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: