This institution is no longer active

Operations ceased on March 1, 2001. CRA examination history below reflects the period it was active.

SUMMIT BANK

NORWALK, CT · Supervised by FDIC

Est. 1849FDIC #17,944RSSD: FDIC-17944

Part ofUJB FINANCIAL CORP→ View all charters

Outstanding Same

Current rating · Exam: February 2000

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Adequate

ROA 0.49%

Is this bank safe?

SUMMIT BANK earned an Outstanding CRA rating (2000), meets basic financial requirements (ROA +0.49%).

Institution Profile

FDIC BankFind

Address

48 Wall Street, NORWALK, CT

County

Fairfield County

Established

May 7, 1849

Total Assets

$1.3B(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

February 1, 2000

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 26 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 2000Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$971M

Net Loans

$731M

Net Income

$6M

ROA

0.49%

Below avg for Community banks. Peer avg: 0.90%

ROE

2.44%

Risk-Based Capital

17.58%

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).

ROA0.49%Peer avg: 0.90%▼ Below avg

Risk-Based Capital17.58%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
Feb 2000	Outstanding	Large Bank
Jun 1997	Outstanding	Small Bank
Jan 1995	Satisfactory	Not Reported

1 previous rating locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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