Responsible lender criticized by the FDIC

A local community bank in Massachusets has been criticized by the FDIC saying they are not lending enough. I could see why in the world of hundreds of billions of dollars in leveraged loan losses that we should find the people who completely avoided the largest credit bubble in history and then criticize them for avoiding the largest credit bubble in history.

From the article:

Bad or delinquent loans?
Zero.
Foreclosures?
None.
Money set aside
in 2008 for anticipated loan losses?
Nothing.

I'm glad the FDIC took time from bailing out the irresponsible lenders to single out this bank for being too conservative.