COMMUNITY REINVESTMENT ACT . Chicago, IL 60605 . Wilmington, DE 19808 . Federal bank regulatory agencies today jointly issued a proposal to strengthen and modernize regulations implementing the Community Reinvestment Act (CRA) to better achieve the purposes of the law. 1. As is the case each month, the OCC and FDIC released a list of Community Reinvestment Act (CRA) performance evaluations from May of 2018. (download size 2.36MB) Examination Date: October 16, 2017. For CRA performance ratings of banks currently supervised by the Office of the Comptroller of the Currency (OCC), or the Federal Reserve Board (FRB), use the Interagency Northwest Bank Certificate Number: 32647 . PERFORMANCE EVALUATION Eastern Bank Certificate Number: 32773 265 Franklin Street Boston, Massachusetts 02110 Division of Banks Federal Deposit Insurance Corporation 1000 Washington Street, 10th Floor 350 Fifth Avenue, Suite 1200 Boston, Massachusetts 02118 New York, New York 10118 Community Reinvestment Act (CRA) Loan Registers. Charter Number 4596. Truist Bank 2017-2019 CRA Performance Evaluation. CRA PERFORMANCE EVALUATION COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Chino Commercial Bank, N.A. federal bank regulatory agencies in assessing CRA performance. CRA Performance Evaluations Use this search tool to find CRA performance evaluations for a specific bank or for all the banks in a state. The Federal Reserve evaluates how well state member banks have helped meet the needs of their communities using one of five Are banks required to keep a CRA public file? San Francisco Regional Office . drive-in and night deposit services, and safe deposit facilities. 25 Jessie Street at Ecker Square, Suite 2300 . Old Second National Bank . CRA Ratings and Performance Evaluations (PEs) Interagency CRA Ratings Page FDIC Ratings and PEs FRB Ratings and PEs OCC Ratings and PEs OTS Ratings and PEs . Welcome to the FFIEC Interagency CRA Rating Search. Federal Deposit Insurance Corporation . Banner Bank received the highest possible Outstanding rating from the Federal Deposit Insurance Corporation (FDIC) for its 2021 Community Reinvestment Act (CRA) Performance The following table reflects the loan portfolio mix. A positive contribution to the community is reflected in a good rating. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION The Camden National Bank Charter Number: 2311 2 Elm Street Camden, ME 04843 consideration at the We invite you to review our most recent CRA 200 North Adams Street Green Bay, WI 54301 . COMMUNITY REINVESTMENT ACT (CRA) PERFORMANCE EVALUATION. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION . Northwest Bank Certificate Number: 32647 . Examiners used the Interagency Large Institution As a federal law enacted in 1977, the CRA encourages financial institutions to reinvest in the communities it serves. TD Bank, N.A. These evaluations are a ( 1) In assigning a rating, the appropriate Federal banking agency evaluates a bank's or savings association's performance under the applicable performance criteria in this part, in accordance with 25.21 and 25.28. This evaluation covers the period from the prior evaluation dated July 20, 2016, to the current evaluation dated August 26, 2019. Institutions Covered by CRA. In December 2019, the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) issued a notice of proposed rulemaking (NPRM) that would considerably weaken the regulations implementing the Community Reinvestment Act (CRA), a law designed to combat redlining by requiring banks to affirmatively and continually PERFORMANCE EVALUATION .

Charter Number: 10523 . The OCC has issued a final rule revising its regulation implementing the Community Reinvestment Act (CRA). 95-128, 91 Stat. COMMUNITY REINVESTMENT ACT . PERFORMANCE EVALUATION . 400 7th Street SW Washington, D.C. 20219 . O Cs Web site. Peoples Bank . Federal Deposit Insurance Corporation Division of Depositor and Consumer Protection Kansas City Regional Office . TABLE OF CONTENTS and a net loan-to-deposit ratio of 48.2%. The CRA Performance Evaluation is the evaluation of institutions record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operation of the institution. The evaluation covers Plan years Office of the Recent CRA performance evaluations of state member banks examined by the Federal Reserve Bank of Cleveland are listed below. The information on this site may be downloaded by any member of the public. The Community Reinvestment Act (CRA) was enacted in 1977 to prevent redlining. Dixon, California 95620 . Division of Banks Federal Deposit Insurance Corporation 1000 Washington Street, 10th Floor 350 Fifth Avenue, Suite 1200 Boston, Massachusetts 02118 New York, New York 10118 For To assess performance, examiners applied the Federal Financial Institutions Examination Council (FFIEC) Large Institution CRA Examination Procedures, which include the Lending, Investment, and Service Tests. Examples of CRA Examinations . NOTE: This document is an evaluation of this bank's record of meeting the credit needs of its

COMMUNITY REINVESTMENT ACT (CRA) PERFORMANCE EVALUATION. By providing the CRA Public File online, Banner is better able to keep this data up to date. CRA. Box 6387 . Appendix A to Part 25 - Ratings. They expose Federal Reserve Bank of Cleveland . The Office of the Comptroller of the Currency each quarter releases a list of national banks to be examined for compliance with the Community Reinvestment Act (CRA) in the next calendar PERFORMANCE EVALUATION Landmark National Bank Charter Number 23038 701 Poyntz Avenue Manhattan, KS 66502 (Landmark) average quarterly loan-to-deposit ratio (LTD) since Choose the link below to view the most recent U.S. Bank National Association CRA Performance evaluation. You can also further narrow your search to focus 2901 et seq.) Source: Federal Deposit Insurance Corporation (FDIC) Call Report, December 31, 2020. This Performance Evaluation assesses the banks performance under the Lending, Investment, and Service Tests. For suggestions regarding this site, Contact Us. Charter Number: 23695 . Choose the link below to view the most recent U.S. Bank National Association CRA Performance evaluation. Federal Deposit Insurance Corporation . The PERFORMANCE EVALUATION . For those who have limited or constrained internet access, please see CRA Performance Evaluation. The following table reflects the loan portfolio mix. CRA Ratings and Performance Evaluations (PEs) Interagency CRA Ratings Page FDIC Ratings and PEs FRB Ratings and PEs OCC Ratings and PEs OTS Ratings and PEs . NOTE: This document is an evaluation of this institution's record of meeting the credit needs of its Federal Deposit Insurance CRA Performance Evaluation. Bank Name: U.S. Bank National Association. Evaluating a Bank's CRA Performance. Comerica Bank is committed to providing information for public inspection under the Community Reinvestment Act. One Mississippi Plaza 201 South Spring Street Tupelo, Mississippi CRA Statute & Tools. The FDIC is responsible for evaluating the CRA activities of insured, state-chartered, non-member financial institutions. Charter Number: 24522 HBUS was rated Satisfactory at its previous CRA evaluation dated December 31, 2014. [back to text] Annual CRA Asset-Size Threshold Adjustments are available on the FFIEC website. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION . COMMUNITY REINVESTMENT ACT . Federal bank regulatory agencies today jointly issued a proposal to strengthen and modernize regulations implementing the Community Reinvestment Act (CRA) to better achieve the purposes of the law. The 2010 to 2020 study reviewed 14,765 CRA performance evaluations on large, intermediate and small institution exams from the Federal Reserve Bank, Federal Deposit 37-39 South River Street Aurora, IL 60506 . The Community Reinvestment Act (CRA, P.L. CRA will be essential for COVID-19 economic recovery in the communities hardest hit by the pandemic. Market Data extracted from the latest FFIEC National Reported HMDA, CRA, and Community Development. institutions CRA performance based on an evaluation conducted as of December 31, 2010. PERFORMANCE EVALUATION. This information is also available at the OCC Comptroller of the The PDF documents linked below are CRA Performance Evaluations of our partner banks. (a) Information available to the public. Timely and transparent CRA data, including CRA performance evaluations (CRA PEs), will provide meaningful information to all stakeholders, rather than to relatively few The final rule applies to national banks and federal NOTE: This document is an evaluation of this bank 's record of meeting the credit needs of its A bank's entire public CRA file must be available at its main office. Office of the The FDIC applies the lending, investment, and service tests, as provided in 345.22 through 345.24, in evaluating the performance of a bank, except as provided in paragraphs (a) (2), (a) (3), and (a) (4) of this section. 2901 et seq.) First Northern Bank of Dixon Certificate Number: 3440 . 248 East Capitol Street Jackson, MS 39201 . COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Comerica Bank RSSD # 60143 1717 Main Street Dallas, Texas 75201 Comerica Bank CRA Performance Evaluation Dallas, Texas February 8, 2021 and a net loan-to-deposit ratio of 68.9 percent. The bank has no financial or legal impediments in meeting the credit needs of its AA. The FDIC also takes this record into account when deciding on certain applications submitted by us. The FDIC assesses the CRA performance of a bank in an examination as follows: ( 1) Lending, investment, and service tests. Trustmark National Bank Charter Number: 10523 . Upon conclusion, a written CRA Performance Evaluation is prepared. Section 28-b of the New York Banking Law, as amended, requires that when with the Federal Deposit Insurance Certificate Number: 11813 . Community Reinvestment Act . is a United States federal law designed to encourage commercial banks and savings associations to help meet the needs of borrowers in all segments of their communities, including low- and moderate-income The CRA Performance Evaluation is the evaluation of institutions record of meeting the credit needs of its entire community, including low- and moderate Trustmark National Bank . Community Reinvestment Act (CRA) CRA Exam Schedule; CRA Performance Evaluations ; CRA Qualifying Activities Confirmation Request; Consumer Protection; Financial Literacy; Minority CRA performance based on an evaluation conducted as of June 30, 2014. HSBC Bank USA, N.A. Frost Bank CRA Performance Evaluation San Antonio, TX August 13, 2018 . In accordance with the Community Reinvestment Act (CRA) Regulation (Regulation BB, 12 CFR 25), Banner Bank is required to maintain and, upon request, make available for public inspection a complete Community Reinvestment Act Public File. The FDIC assigned WGSB a Satisfactory rating at its previous CRA Performance Evaluation, dated June 5, 2017 using Intermediate Small Institution Examination Procedures. PERFORMANCE EVALUATION . PERFORMANCE EVALUATION . 1100 Walnut Street, Suite 2100 Kansas City, Missouri 64106 The Board of Governors of the Federal Reserve System (Board), the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency (OCC) The banks loan-to-deposit ratio is reasonable given the banks size, P.O. View the most recent CRA Performance Evaluation from the Federal Deposit Insurance Corporation (FDIC), Division of Depositor and Consumer Protection. Map of each assessment area that shows the boundaries. Community Reinvestment Act (CRA) On May 5, 2022, the Board, the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency (OCC), Charter Number 24096 . Office of the Comptroller of the Currency . FSBs prior CRA performance evaluation dated July 2, 2018 assigned an overall Satisfactory rating using intermediate small bank procedures. Elmira Savings Bank RSSD No. 37-39 South River Street Aurora, IL 60506 OSNB received a rating of Outstanding in the last CRA evaluation dated April 23, 2018. Division of Depositor and Consumer Protection . The FDIC applies the lending, investment, and service On May 5, 2022, the OCC, the Federal Reserve Board (FRB), and the Federal Deposit Insurance Corporation (FDIC) jointly released a notice of proposed rulemaking (NPR) Maintained by the FFIEC. in Woodsville, New Hampshire (NH) and wholly owned by Guaranty Bancorp, Inc. Medallion Bank (MB) operated under an FDIC-approved Community Reinvestment Act (CRA) Strategic Plan (Plan) during the evaluation period. It required banks to meet the credit needs of the communities where they do business. 2035 Limestone Road . Federal bank regulatory agencies today jointly issued a proposal to strengthen and modernize regulations implementing the Community Reinvestment Act (CRA) to better achieve The loan-to-deposit ratio is calculated by dividing the institutions net loans and leases from the Uniform Bank Performance Report by its total deposits. Office of the Comptroller of the Currency . The Community Reinvestment Act (CRA, P.L. 25 Jessie Street at Ecker Square, Suite 2300 TCB received a Types of CRA RatingsOverall ratingState ratingMultistate metropolitan statistical area (MSA) ratingComponent test ratings 1147, title VIII of the Housing and Community Development Act of 1977, 12 U.S.C. FDIC CRA Performance Ratings. for Community Reinvestment Act (CRA) data reporters. Data collec tion, maintenance, and reporting are important aspects of financial insti tution evaluations under CRA. This guide can be used as a resource when collecting and maintaining data, creating a submission, and posting lending data in the CRA public file. The FFIEC produces a public dis If these, one bank was given an Outstanding 248 East Capitol Street Jackson, MS 39201 . 248 East Capitol Street Jackson, MS 39201 . In accordance with the CRA, Old Second and all financial institutions are required to maintain and, upon request, make available for public inspection a complete CRA Public File. systems, retail and commercial loans, deposit products and services, and CD services provided in the banks AAs. 861304 333 East Water Street . COMMUNITY REINVESTMENT ACT (CRA) PERFORMANCE EVALUATION. The bank received a Satisfactory rating in its previous CRA evaluation, dated September 6, At each branch: a) A copy of the public section of the bank's most recent CRA Performance Evaluation and a list of services provided by the branch; and b) Within five calendar days of the request, all the information in the public files relating to the assessment area in which the branch is located. Trustmark National Bank Charter Number: 10523 . On May 5, 2022, the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation

Valley National Bank Charter Number: 15790 . COMMUNITY REINVESTMENT ACT . What is the Community Reinvestment Act (CRA)? The Community Reinvestment Act (CRA), enacted in 1977, requires the Federal Reserve and other federal banking regulators to encourage financial institutions to help meet the credit needs of the communities in which they do business, including low- and moderate-income (LMI) neighborhoods. The FDIC assesses the CRA performance of a bank in an examination as follows: ( 1) Lending, investment, and service tests. Associated Bank, National Association . and constraints, past performance and the performance of similarly situated lenders the banks public file and any written comments about the banks CRA performance any other relevant information Qualified Investment A lawful investment, deposit, membership share or grant that has as its primary purpose community develop-ment. COMMUNITY REINVESTMENT ACT .

Historically, around 98% of banks have passed their CRA evaluations every year. Cleveland, Ohio 44101-1387 . Office of the Comptroller of This performance evaluation, conducted jointly by the Federal Deposit Insurance Corporation (FDIC) and the Commonwealth of Massachusetts Division of Banks (Division), covers the [back to text] CRA Disclosure Statements are publicly available on the FFIEC website. BancorpSouth Bank . COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION . The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by the Congress to maintain stability and public confidence in the nations financial system. This search engine will enable you to find the latest CRA ratings of financial institutions supervised by the Federal Community Reinvestment Act - CRA: An act of Congress enacted in 1977 with the intention of encouraging depository institutions to help meet the credit needs of 95-128, 91 Stat. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First Northern Bank of Dixon Certificate Number: 3440 195 North First Street Dixon, California 95620 Federal Deposit Insurance Corporation Division of Depositor and Consumer Protection San Francisco Regional Office 25 Jessie Street at Ecker Square, Suite 2300 San Francisco, California 94105 A bank shall maintain a public file that includes the following information: (1) All written comments received from the public for the current year and each of the prior two calendar years that specifically relate to the bank's performance in helping to meet community credit needs, and any response to the comments by the bank, if neither the PERFORMANCE EVALUATION. Information is also For this most recent period, the FDIC conducted approximately 75 CRA performance evaluations. 195 North First Street . 138 Putnam Street . CRA applies to FDIC-insured depository institutions, such as national banks, savings Public performance evaluations can be obtained from b anks nd re lso v il ble on the . This evaluation covers the period from January 30, 2017, to July 9, 2019, the date of the previous evaluation to the current evaluation date. BancorpSouth Bank . This information is also available at the OCC Comptroller of the Currency, Administrator of National Banks website, at occ.treas.gov. Past ReleasesCRA Analytics Data Tables (.zip)User Guide for the CRA Analytics Data Tables (PDF)Data Dictionary Documentation for the CRA Analytics Data Tables (.zip) 705 North Grand Avenue Spencer, Iowa 51301 . PERFORMANCE EVALUATION. In evaluating the banks lending performance, we reviewed residential mortgage loans subject to filing under the Home Mortgage Disclosure Act (HMDA), small loans to businesses and farms as reported under the CRA, and CD loans. Discrimination in lending is still a problem. Community Reinvestment Act. 400 7th Street SW Washington, D.C. 20219 . The proposal includes five performance scores: Outstanding, High Satisfactory, Low Satisfactory, Needs to Improve, and Substantial Noncompliance. Scores would be San Francisco Regional Office . CRA Disclosure Statements. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION NOTE: Ally Bank RSSD # 3284070 CRA Performance Evaluation February 21, 2017 Deposit products include checking accounts, savings accounts, money market deposit accounts, and certificates of deposit.

On May 5, 2022, the OCC, the Federal Reserve Board (FRB), and the Federal Deposit Insurance Corporation (FDIC) jointly released a notice of proposed rulemaking (NPR) to strengthen and modernize the Community Reinvestment Act (CRA) regulations to better achieve the purpose of the CRA. Charter Number 4596. Operations . CRA Statement. Marietta, Ohio 41501 . This search engine will enable you to find the latest CRA ratings of financial institutions supervised by the Federal Reserve, Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation, and/or Office of Thrift Supervision. The National Community Reinvestment Coalition has long advocated for more nuance in CRA ratings and regulators have started nodding to the need for more nuance. CRA requires the FDIC to assess an institution's record of helping to meet the credit needs of the local communities in which the institution is chartered. The FDIC cited the banks poor performance under the CRA Lending Test, noting that the bank made a majority of its home mortgage and small business loans outside of the Ally Bank, together with AFI, is the nation's 615 Main Avenue . Access our most recent public CRA disclosure statements. Section 28-b of the New York State Banking Law, as amended, requires that when 2010, filed The institution operates nine full-service offices throughout Grafton and Coos Counties in NH. On May 5, 2022, the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the Federal Deposit Insurance Corporation (collectively the agencies) issued a COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First Northern Bank of Dixon Certificate Number: 3440 195 North First Street Dixon, California 95620 Federal Deposit is a United States federal law designed to encourage commercial banks and savings associations to help meet the needs of borrowers in all segments of their communities, including low- and moderate-income RSSD #577128 . 1147, title VIII of the Housing and Community Development Act of 1977, 12 U.S.C. 425 S. Financial Place, Suite 1700 . Welcome to the FFIEC Interagency CRA Rating Search. Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. PERFORMANCE EVALUATION. 705 North Grand Avenue Spencer, Iowa 51301 . The most recent CRA Performance Evaluation. CRA Performance Evaluations Archive. ( a) Ratings in general. The highlighted portions of the reports are typical The bank also operates 102 deposit-taking ATMs in its branch network. Certificate Number: 11813 . These Reports set the standards by which a bank will be examined. One Mississippi Plaza 201 South Spring Street BCS received a Satisfactory rating at the prior June 28, 2010, FDIC CRA Performance Evaluation based on CRA Large Bank procedures.