Community Reinvestment Act (CRA) Public File
If you have any questions related to the Community Reinvestment Act or would like to receive a hard copy of this file, please send us an email.
What is the Community Reinvestment Act (CRA), the CRA Public File and it’s Contents?
The Community Reinvestment Act (CRA) is a federal law designed to encourage insured financial
institutions to help meet the credit and community development needs of all income levels of their
communities, including low- and moderate-income neighborhoods.
Branch and ATM Information
A list of the Banks Branches including their street addresses, Hours of Operation and ATM Information.
List of Products, Services, Fees and Alternative Delivery Methods
A list of services (loan and deposit products and fees) generally offered at the Banks branches and description of material differences in the availability or cost of services at particular branches, if any.
Opened and Closed Branches
Branches opened or closed by the Bank during the current year and each of the prior two years.
Written Public Comments
View written comments received from the public for the current year, and each of the two prior calendar years, that specifically relate to the bank’s performance in helping to meet community credit needs, and response to the comments by the bank.
CRA FDIC Performance Evaluation
This document is an evaluation of this Bank’s record of meeting the credit needs of our entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operation of the Bank prepared by our regulator, the FDIC.
Assessment Area and Geographies
A map of each assessment area showing the boundaries of the area and the geographies contained within the area
CRA Disclosure Statements
The CRA disclosure statement, which is publicly available on the Federal Financial Institutions Examination Council (FFIEC) website, provides detailed information on the bank’s small-business and small-farm lending. Additionally, this report provides aggregated information regarding the bank’s community development lending.