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Community REinvestment Act

Community Reinvestment Act (CRA)

As a community bank, we are committed to serving the banking and credit needs of all individuals and businesses within our assessment area. Compliance with Fair Lending laws and the Community Reinvestment Act (CRA) is a fundamental part of that commitment and reflects our dedication to responsible banking and community service.

The purpose of this page is to share information about our Community Reinvestment Act program and demonstrate our ongoing efforts to meet the credit needs of the communities we serve. By making our CRA Public File available online, we can provide convenient access to current information and promote transparency with our customers and the public.

Public Information Available for Inspection​

In compliance with the requirements of the Community Reinvestment Act (CRA), the following information must be maintained in the public file, current as of April 1 of each year and may be updated periodically

CRA Performance Evaluation

A copy of the bank’s most recent CRA Performance Evaluation.

CRA Performance Evaluation

Branch Information 

A list of the bank’s branches, street addresses, and geographies, including hours of operation.

Branch Information

Loan to Deposit Ratio

The loan-to-deposit ratio (LDR) measures a bank’s total net loans divided by its total deposits to evaluate how well the bank reinvests local funds back into the community.  

Loan to Deposit Ratio

Opened and Closed Branches

Branches opened or closed by the bank during the current year and each of the prior two calendar years.

Open and Closed Branches

Fee Schedules

Fee schedules for retail and commercial banking products.

Fee Schedules 

Assessment Area

Maps of each assessment area showing the boundaries and income of the area and identifying the geographies contained within the area.

Assessment Area

Retail Banking Services

A list of services (loan and deposit products, and transaction fees) generally offered at the bank’s branches and descriptions of material differences in the availability or cost of services at particular branches, if any.

Retail Banking Services

Public Comments

View written comments related to the bank’s performance in helping the community credit needs and responses to the comments.

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