🏦Bank Scorer

UNITED STATES TRUST COMPANY

BOSTON, MA · Supervised by FDIC

Est. 1960FDIC #18,342RSSD: FDIC-18342
Needs to Improve

Current rating · Exam: February 1992

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Strong

ROA 40.67%

Is this bank safe?

UNITED STATES TRUST COMPANY received a Needs to Improve CRA rating (1992), and is financially strong (ROA +40.67%).

Institution Profile

FDIC BankFind

County

Suffolk County

Established

December 14, 1960

Total Assets

$88M(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

February 1, 1992

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 34 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 2025Call Report / FDIC

Total Assets

$88M

Total Deposits

—

Net Loans

$46K

Net Income

$35M

ROA

40.67%

Above avg for Small banks. Peer avg: 0.44%

ROE

63.57%

Risk-Based Capital

87.98%

Above 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).

ROA40.67%Peer avg: 0.44%▲ Above avg
Risk-Based Capital87.98%Peer avg: 23.03%▲ Above avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$500K

1-Year Change

0

This is the only examination on record for this bank.

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