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2019 Institutions Examined for CRA Compliance

The Division of Banks (DOB) evaluates the institution's record of meeting the credit needs of its entire assessment area. This includes low and moderate-income neighborhoods, consistent with the safe and sound operation of the institution. When the examination is complete the DOB issues a rating and public evaluation.

Table of Contents

Institutions with a 2019 published rating

Institution Location Rating
Abington Bank Abington     S
Adams Community Bank Adams     S
BankFive Fall River     O
Bank of Easton, a Co-operative Bank Easton     S
Berkshire Bank Pittsfield     S
Boston Private Bank & Trust Company Boston     O
Boston Trust & Investment Management Company Boston     S
Cape Ann Savings Bank Gloucester     S
Coastal Heritage Bank Weymouth     S
Country Bank for Savings Ware     S
Credit Union of the Berkshires Pittsfield     S
Dean Co-operative Bank Franklin    HS
Eagle Bank Everett     S
Everett Co-operative Bank Everett     S
Fall River Municipal Credit Union Fall River    HS
Fidelity Co-operative Bank Fitchburg    HS
First Ipswich Bank Ipswich     S
Haverhill Fire Department Credit Union Haverhill     S
Jeanne D'Arc Credit Union Lowell     O
Main Street Bank Marlborough     S
Members Plus Credit Union Medford     S
Millbury Savings Bank Millbury     S
Monson Savings Bank Monson     S
Newburyport Five Cents Savings Bank Newburyport     S
North Brookfield Savings Bank North Brookfield     S
Northmark Bank North Andover    NI
Pentucket Bank Haverhill     S
Polish National Credit Union Chicopee     S
Revere Firefighters Credit Union         Revere     S
Sharon Credit Union Sharon     S
St. Anne's Credit Union of Fall River Fall River    HS
St. Jean's Credit Union Lynn     S
StonehamBank - A Co-operative Bank Stoneham     S
Webster Five Cents Savings Bank Webster    HS
Wrentham Co-operative Bank Wrentham     S

Key to ratings

  • O - Outstanding
  • HS - High Satisfactory
  • S - Satisfactory
  • NI - Needs to Improve
  • SNC - Substantial Noncompliance

These ratings are not, nor should they be interpreted as an assessment of the financial condition of these institutions. The assigned ratings do not represent an analysis, conclusion, or opinion of the DOB concerning the safety and soundness of these financial institutions.

Public evaluations

The public portion of the evaluation generally contains:

  • The institution's CRA rating
  • A description of the financial institution
  • A description of the financial institution's assessment area
  • Conclusions about the institution's CRA performance, including the facts, data, and analyses that were used to form such conclusions

Most Massachusetts chartered banks are also examined for compliance with the Federal CRA by the Federal Deposit Insurance Corporation and the Federal Reserve System.

Last updated: September 1, 2019