Timely and transparent CRA data,


Timely and transparent CRA data, including CRA performance evaluations (CRA PEs), will provide meaningful information to all stakeholders, rather than to relatively few experts. Evaluating a Bank's CRA Performance The Federal Reserve evaluates how well state member banks have helped meet the needs of their communities using one of five evaluation methods tailored to a bank's size or business strategy. This action realigned the OCC's CRA rule with those of the Federal Reserve Board and FDIC. . Community Reinvestment Act Performance Evaluation According to the FDIC, "maintaining a Satisfactory or better CRA exam rating will result in less frequent CRA examinations at your institution." Win-win! assessment areas. FDIC, and Board engaged with stakeholders, including civil rights organizations, community groups, members of Congress, academics, and banks, to obtain their . 2022; 2021; 2020; 2019 .

The Central Trust Bank CRA Performance Evaluation Jefferson City, Missouri October 1, 2018 18 .

A bank shall maintain a public file that includes the following information: (2) A copy of the public section of the bank's most recent CRA Performance Evaluation prepared by the Board. PERFORMANCE EVALUATION Landmark National Bank Charter Number 23038 701 Poyntz Avenue Manhattan, KS 66502 . If your bank received a less-than-satisfactory rating during its most recent examination, it must include a description of efforts to improve its performance and update . is taken from the Federal Deposit Insurance Corporation (FDIC) Deposit Market Share Report data as of June 30, 2021. . Based on branch locations and loan origination activity, CB has designated 17 AAs throughout Washington, Oregon, the Portland-Vancouver-Hillsboro (PVH) Multi-State Area (MSA), and Idaho. Experience reviewing Community Development activities may be beneficial, but is not required to attend this course. . The procedures consist of the Lending, Investment, and Service Tests (see Appendices). BCS received a "Satisfactory" rating at the prior June 28, 2010, FDIC CRA Performance Evaluation based on CRA Large Bank procedures. [ 2] . 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 Also, banks are expected to take immediate action to begin correcting the negative CRA rating. The CRA requires financial institutions to define an AA within which the FDIC will evaluate the institution's CRA performance. FCB's defined The Community Reinvestment Act (CRA) requires each financial institution to define one or more assessment area remains unchanged since the previous examination; however, the previous examination did not consider Burlington County performance since Burlington County was part of the assessment area for less than one year at that time. Medallion Bank (MB) operated under an FDIC-approved Community Reinvestment Act (CRA) Strategic Plan (Plan) during the evaluation period. This notice also explains that the public has a right to review a bank's CRA file and to make written comments about the bank's CRA performance. If you don't find what you are looking for here, submit a Freedom of Information Act (FOIA) request. .

HarborOne received an overall "Outstanding" rating - the highest rating possible for its second consecutive CRA exam. 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. The FDIC and Division used Interagency Large Bank CRA Examination Procedures to evaluate Rockland Trust Company's (RTC) CRA performance. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Seamen's Bank Certificate Number: 90268 221 Commercial Street Provincetown, Massachusetts 02657 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 .

The Division and the FDIC used the Interagency Intermediate Small Institution Examination Procedures to evaluate the bank's CRA performance. View All CRA Performance Evaluations. Deposit and loan products are offered by Associated Bank, N.A .

filed with the Federal Deposit Insurance Corporation ("FDIC"), SHBA reported total assets of $1.3 billion, of . 2 The Proposal is a comprehensive interagency effort that would change both the process and substantive tests that the regulators use to assess the record of each bank in fulfilling its obligation to the community. Last update: April 14, 2022. NOTE: This document is an evaluation of this institution's record of meeting the credit needs

received a "Satisfactory" Community Reinvestment Act (CRA) rating from the Office of the Comptroller of the Currency (OCC) for the evaluation period of January 1, 2018 - December 31, 2020. . The participant must have written all aspects of a CRA performance evaluation for at least two small bank CRA examinations or a combination that is the equivalent of such. Section 28-b of the New York Banking Law, as amended, requires that when . The Community Reinvestment Act (CRA) is a law intended . By selecting the criteria of the bank (s) you . is taken from the Federal Deposit Insurance Corporation (FDIC) Deposit Market Share Report data as of June 30, 2021. . As banks increase in asset size, they are subject to more detailed CRA performance evaluations. We are pleased to share with you our recent "OUTSTANDING" Community Reinvestment Act (CRA) performance evaluation by the Federal Deposit Insurance Corporation (FDIC) and the Massachusetts Division of Banks. Large Institution CRA Examination Procedures OCC, FRB, and FDIC April 2014 5 criteria.

Every CRA exam includes a Fair Lending evaluation. For suggestions regarding this site, Contact Us. Truist Bank 2017-2019 CRA Performance Evaluation Correspondingly, what are CRA requirements? The CRA ratings and performance evaluations are available at FDIC.gov. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. Your bank must place the copy in its public files within 30 business days after receiving it. CRA Performance Evaluation View the most recent CRA Performance Evaluation from the Federal Deposit Insurance Corporation (FDIC), Division of Depositor and Consumer Protection. The LTD ratio is calculated on a bank-wide basis. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Cambridge Savings Bank Certificate Number: 17870 1374 Massachusetts Avenue Cambridge, Massachusetts 02138 Division of Banks Federal Deposit Insurance Corporation 1000 Washington Street, 10th Floor 350 Fifth Avenue . [ 43 FR 47151, Oct. 12, 1978, as amended at 82 FR 5356, Jan. 18, 2017] Part 345. 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 . On June 5, 2020, the OCC published a final rule in the Federal Register (2020 final rule) to update the regulatory framework implementing the Community Reinvestment Act of 1977 (CRA) [ 1] for national banks and savings Start Printed Page 78259 associations (collectively, banks). This rating deals strictly with how well the institution is meeting its responsibilities under the CRA. 2010, filed with the Federal Deposit Insurance Corporation ("FDIC"), OCTC reported total assets of $566 million, of which $277 million were net loans and lease finance Plumas Bank Certificate Number: 23275 336 West Main Street Quincy, California 95971 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 If these, one bank was given an Outstanding rating, while two banks were provided a rating of Needs to Improve. It is a five-year plan with an The FDIC's sole Outstanding rating came from the Cambridge Savings Bank. Our CRA Performance Evaluation. The bank . Published on 26/02/2022 by . How to Obtain Additional Information This evaluation covers the period from the prior evaluation dated February 10, 2014, to the current evaluation dated May 31, 2017.

The Community Reinvestment Act (CRA), enacted in 1977, requires the Federal Reserve and other federal banking regulators to encourage financial institutions . Performance Evaluation Frequency and Timing. Search for Performance Evaluations & Ratings of State Member Banks. We are an affiliate of (name of holding company), a bank holding company. Clarifications to OCC Supervisory Policies Regarding CRA. Operations . The CRA Performance Evaluation is the evaluation of institution's 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. Community Reinvestment Act (CRA) Loan Registers. For this most recent period, the FDIC conducted approximately 75 CRA performance evaluations. PERFORMANCE EVALUATION Lakeland Bank Certificate Number: 19953 2717 Route 23 South Newfoundland, New Jersey 07435 Federal Deposit Insurance Corporation Division of Depositor and Consumer Protection 350 Fifth Avenue, Suite 1200 .

Community Reinvestment Act (CRA) CRA Exam Schedule; CRA Performance Evaluations ; CRA Qualifying Activities Confirmation Request; Consumer Protection; Financial Literacy; Minority Outreach; Public Bank Information The evaluation The overall rating is based on The Bancorp Bank's (TBB's) Community Reinvestment Act (CRA) period encompassed three Federal Deposit Insurance Corporation (FDIC)-approved strategic plans. In addition, TD Bank, N.A. The FDIC's performance evaluation cites Bank of the West as "a leader" in making community development loans designed to help low- and moderate-income areas. December 16, 2021, the Board of Governors of the Federal Reserve System and the Federal Deposit Insurance Corporation announced the annual adjustment to the asset-size thresholds used to define 'Small Bank' and 'Intermediate Small Bank' under the CRA Regulations. OCC policy governs the required frequency of CRA evaluations, subject to statutory limitations for smaller banks. the prior CRA . Large Bank Supervision 400 7th Street S.W.

The National Bank of Andrews . For this assessment area, three community contact interviews were to ascertain specific used Examiners used the Interagency Large Institution CRA Examination Procedures to evaluate BTC's CRA performance. FDIC CRA Performance Ratings. MB has not received any complaints related to its CRA performance. of Illinois (IL Non-MSA) and there is an office in Springfield, IL (Sangamon County), which is Operations southwest Illinois. Documents are in PDF format. Introduction.

COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION The Peoples Bank RSSD #446149 116 Main Street .

(Landmark) average quarterly loan-to-deposit ratio (LTD) since the prior CRA examination was 60 percent. From the August 2017 to September 2020 . Use this assessment area(s) to evaluate the institution's performance, but do not otherwise consider the revision in determining the institution's rating. performance from July 1, 2018 to December 31, 2020 (the evaluation period). Pre-Course Assignment After moving alone in 2020 to reform its Community Reinvestment Act (CRA) regulation, the Office of the Comptroller of the Currency (OCC) has joined the Federal Deposit Insurance Corporation (FDIC) and Federal Reserve Board in issuing a joint notice of proposed rulemaking setting forth proposed amendments to their regulations implementing the CRA. Based on the most recent FDIC Deposit Market Share data as of June 30, 2019, the Bank ranked 12 of 32 institutions in deposits with 2.3 percent market . COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Midwest BankCentre RSSD #657459 2191 Lemay Ferry Road St. Louis, Missouri 63125-2408 Federal Reserve Bank of St. Louis P.O. August 2, 2021. OCC, FRB, and FDIC April 2014 1 TABLE OF CONTENTS . You may request from the (title of responsible official), Federal Reserve Bank of _______ (address) an announcement of applications covered by the CRA filed by bank holding companies. institution's CRA performance based on an evaluation conducted as of September 30, 2016. The CRA evaluation period is January 1, 2018, through December 31, 2020. . This evaluation is not, nor should it be construed as, an assessment of the . On May 5, 2022, the US banking regulators 1 proposed revisions to the regulations implementing the Community Reinvestment Act (the "Proposal"). Office of the Comptroller of the Currency . COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION The Peoples Bank RSSD #446149 116 Main Street . with the Federal Deposit Insurance Corporation ("FDIC"), BOM reported total assets of $200.8 million, of which $98.4 million were net loans and lease finance receivables. The interagency proposed rule would, if finalized, replace the current CRA rules in . slightly higher in Callaway and Moniteau Counties compared to Cole County, where Jefferson City is located. On May 5, 2022, the Board, the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency (OCC), issued a Notice of Proposed Rulemaking (NPR) that would amend their regulations implementing the Community Reinvestment Act of 1977 (CRA) to update how CRA activities qualify for consideration, where CRA activities are considered, and how CRA activities are .

CRA Performance Evaluations for 57 FDIC-supervised institutions, and a sample of CRA examination workpapers. The FDIC assesses the CRA performance of a bank in an examination as follows: ( 1) Lending, investment, and service tests. SCOPE OF EVALUATION General Information performance since the previous evaluation dated June 25, 2018, to the current evaluation date of Examiners used the Interagency Large Institution CRA Examination Procedures to evaluate FB's July 9, 2021. branch locations cra file requirements. Search CRA Database by Bank Name.

Therefore, the bank's CRA regulator will often shorten the time frame before their next examination. Community Reinvestment Act (CRA) Last Updated: April 8, 2022 CRA Statute & Tools 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.

and FDIC CRA Performance Evaluation dated April 13, 2015. CRA Performance Evaluation. represents the Department's current assessm ent and rating of the institution's CRA performance based on an evaluation conducted as of June 30, 2018. These procedures include three tests: Lending Test, Investment Test, and Service Test. Washington, DC 20219 . institution's CRA performance based on an evaluation conducted as of December 31, 2010. Medallion Bank (MB) operated under an FDIC-approved Community Reinvestment Act (CRA) Strategic Plan (Plan) during the evaluation period. This evaluation, conducted jointly by the FDIC and the Division, covers the period from the prior evaluation dated June 5, 2017, to the current evaluation dated February 18, 2020. Last Modified: 11/09/2018 10:06 AM .

BCS functions as a retail commercial bank that operates 259 . I. filed with the Federal Deposit Insurance Corporation ("FDIC"), CCSB reported total assets of $385.4 million, of which $ 259.8 million were net loans and lease financing The following points summarize the bank's Community Reinvestment Act (CRA) performance. Community Reinvestment Act (CRA) CRA Exam Schedule; CRA Performance Evaluations ; CRA Qualifying Activities Confirmation Request; Consumer Protection; Financial Literacy; Minority Outreach; Public Bank Information Findings in a CRA exam can spark a targeted Fair Lending exam.

The Federal Deposit Insurance Corporation's (FDIC) Office of Inspector General has completed an audit of the Community Reinvestment Act (CRA) examination process as conducted by the . On December 14, 2021, the OCC issued a final rule that rescinded the June 2020 rule and replaced it with a rule based largely on the agencies' 1995 CRA rules (as amended).

After moving alone in 2020 to reform its Community Reinvestment Act (CRA) regulation, the Office of the Comptroller of the Currency (OCC) has joined the Federal Deposit Insurance Corporation (FDIC) and Federal Reserve Board in issuing a joint notice of proposed rulemaking setting forth proposed amendments to their regulations implementing the CRA. The CRA performance rating does not reflect on an institution's financial condition. . Maintained by the FFIEC. ONB's CRA performance was rated "Satisfactory" in the last public evaluation dated February 2017. Charter Number 24096 . Procedures to evaluate the bank's CRA performance . 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. A copy of the agencies' press release, along with tables showing . See 60 FR 22156, 22177 (May 4, 1995). If you know the month and year for publication of a CRA performance evaluation you can find it using the tables here.

A negative rating brings a higher level of scrutiny both from the bank's regulator and the general public. All three prudential regulators responsible for conducting CRA exams (the Office of the Comptroller of the Currency, Federal Deposit Insurance Corp., and Federal Reserve Board) use the same three asset-size categories.

19-01 Route 208 North . The CRA ratings and some of the public evaluations issued by the FDIC since July 1, 1990 are also available on the Internet. This can be shortened to as little as . Federal Deposit Insurance Corporation . needs in its AAs during the evaluation period.

Wilmington, DE 19808 . Section 28-b of the New York State Banking Law, as amended, requires that when . The Bank is currently operating under a Strategic Plan approved by the Federal Deposit Insurance Corporation ("FDIC") on February 25, 2015. The Peoples Bank CRA Performance Evaluation Marion, Kentucky March 21, 2022 2 NONCONFIDENTIAL // EXTERNAL Both assessment . Percentage of loans/lending-related activity in an . Community Contact Information . 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 Ratings Web site of the Federal Financial Institutions Examination Council (FFIEC).

OCC. CRA Examinations. Section 28-b of the New York Banking Law, as amended, requires that when . The action follows the OCC's rescission in . The rating was based on Interagency Intermediate Small Institution CRA Examination Procedures. Charter Number 14788 1501 N. Main . A copy of the public section of your bank's most recent CRA performance evaluation. The bank received an Outstanding rating at its previous FDIC CRA Evaluation dated September 10, 2018, based on Interagency Strategic Plan Examination Procedures in 2015, 2016, and 2017. and private banking services. On August 2, 2021, Associated Bank, N.A. The bank shall place this copy in the public file within 30 business days after its receipt from the Board; Andrews, TX 79714 . PERFORMANCE EVALUATION . As part of our review, we published an The .

COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION .

(CRA) performance evaluations, available community contact materials, Home Mortgage Disclosure Act (HMDA) and CRA performance data including the institution's lending, investment, and service activities by assessment area, the lending of other lenders in those markets, and demographic . The changes affect chapters II, III and XII of the manual. . A substantial majority of the small farm and small business loans reviewed were inside the Welcome to the FFIEC Interagency CRA Rating Search. Search for CRA Performance Evaluations of non-Federal Reserve supervised banks: FDIC. The Peoples Bank CRA Performance Evaluation Marion, Kentucky March 21, 2022 2 NONCONFIDENTIAL // EXTERNAL Both assessment .

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 . Lending, Investment, and Service Tests for Large Retail Institutions Lending Test 1. CRA performance based on an evaluation conducted as of June 30, 2014. This evaluation covers the period from the prior evaluation dated September 25 . Good CRA ratings will result in less frequent CRA examinations. Community Reinvestment Act (CRA) Help. The action follows the OCC's rescission in .

Several sections of the federal bank deposit insurer's Consumer Compliance Examination Manual (CEM) have been revised, with SOURCE violation code revisions and changes in Community Reinvestment Act (CRA) performance evaluation templates among the changes.

The FDIC provides quarterly updates for FDIC-supervised institutions to the FFIEC. The evaluation covers Plan years 2018 and 2019, from April 1, 2018 to March 31, 2020. June 2, 2020 FDIC 0. Performance Evaluation Intermediate Small Bank Single-Rated Area XII-3.10FDIC Consumer Compliance Examination Manual May 2020 (3) A population loss of 10 percent or more between the previous and most recent decennial census or a net migration loss of 5 percent or more over the 5-year period preceding the most recent census. The Lending Test rating is based on a reasonable quarterly average net loan-to-deposit (LTD) ratio during the evaluation period. The loan-to-deposit ratio is more than reasonable given the institution's size, financial condition, and assessment areas' credit needs. Alternative banking services include online banking and remote Operations

2035 Limestone Road . . This evaluation covers the period from the prior evaluation dated July 20, 2016, to the current evaluation dated August 26, 2019. PERFORMANCE EVALUATION . Division of Depositor and Consumer Protection . Box 442 St. Louis, Missouri 63166-0442 NOTE: This document is an evaluation of this institution's record of meeting the

Evaluation, which include five performance criteria: 1. Section 28-b of the New York Banking Law, as amended, requires that when .