🏦Bank Scorer

WASHINGTON SAVINGS BANK

LOWELL, MA · Supervised by FDIC

Est. 1892FDIC #90,229RSSD: FDIC-90229
Satisfactory Same

Current rating · Exam: June 2008

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.16%

Is this bank safe?

WASHINGTON SAVINGS BANK holds a Satisfactory CRA rating (2008), meets basic financial requirements (ROA +0.16%).

Institution Profile

FDIC BankFind

Address

30 Middlesex St, LOWELL, MA

County

Middlesex County

Established

April 6, 1892

Total Assets

$299M(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

June 5, 2008

Exam Type

Small Bank

Regulator

FDIC
⚠️This exam is 18 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 Q1 2026Call Report / FDIC

Total Assets

$299M

Total Deposits

$243M

Net Loans

$236M

Net Income

$124K

ROA

0.16%

Below avg for Small banks. Peer avg: 0.44%

ROE

1.77%

Risk-Based Capital

17.81%

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).

ROA0.16%Peer avg: 0.44%▼ Below avg
Risk-Based Capital17.81%Peer avg: 23.03%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$232M

1-Year Change

0

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Jun 2008SatisfactorySmall Bank
May 2003SatisfactorySmall Bank
Aug 1998SatisfactorySmall Bank

4 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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