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This institution is no longer active

Operations ceased on January 1, 2009. CRA examination history below reflects the period it was active.

THE BANK OF WESTERN MASSACHUSETTS

SPRINGFIELD, MA · Supervised by FDIC

Est. 1987FDIC #26,942RSSD: FDIC-26942
Outstanding Same

Current rating · Exam: November 2006

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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 0.98%

Is this bank safe?

THE BANK OF WESTERN MASSACHUSETTS earned an Outstanding CRA rating (2006), meets basic financial requirements (ROA +0.98%).

Institution Profile

FDIC BankFind

Address

1391 Main Street, 4th Floor, SPRINGFIELD, MA

County

Hampden County

Established

April 1, 1987

Total Assets

$912M(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

November 1, 2006

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 19 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 2008Call Report / FDIC

Total Assets

$912M

Total Deposits

$529M

Net Loans

$766M

Net Income

$9M

ROA

0.98%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.95%

Risk-Based Capital

11.67%

Below 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).

ROA0.98%Peer avg: 0.44%▲ Above avg
Risk-Based Capital11.67%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Nov 2006OutstandingIntermediate Small Bank
Nov 2003OutstandingLarge Bank
Feb 2001OutstandingLarge Bank

3 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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