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. of Illinois (IL Non-MSA) and there is an office in Springfield, IL (Sangamon County), which is Operations southwest Illinois. How to Obtain Additional Information 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. Wilmington, DE 19808 . MB has not received any complaints related to its CRA performance. Large Institution CRA Examination Procedures OCC, FRB, and FDIC April 2014 5 criteria. .

If you don't find what you are looking for here, submit a Freedom of Information Act (FOIA) request. Search for CRA Performance Evaluations of non-Federal Reserve supervised banks: FDIC. 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 . From the August 2017 to September 2020 . Timely and transparent CRA data, including CRA performance evaluations (CRA PEs), will provide meaningful information to all stakeholders, rather than to relatively few experts. It is a five-year plan with an I.

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. . PERFORMANCE EVALUATION . 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 SUMMARY: The OCC, Board, FDIC, and OTS (collectively, "we" or "the agencies") have conducted a joint review of the CRA regulations, fulfilling the commitment we made when we adopted the current Community Reinvestment Act (CRA or "the Act") regulations in 1995. The CRA ratings and some of the public evaluations issued by the FDIC since July 1, 1990 are also available on the Internet. Medallion Bank (MB) operated under an FDIC-approved Community Reinvestment Act (CRA) Strategic Plan (Plan) during the evaluation period. The action follows the OCC's rescission in . (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 . Search for Performance Evaluations & Ratings of State Member Banks. 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. Washington, DC 20219 . 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. 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). 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. 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. PERFORMANCE EVALUATION . The changes affect chapters II, III and XII of the manual. 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 . These procedures include three tests: Lending Test, Investment Test, and Service Test. CRA Performance Evaluation View the most recent CRA Performance Evaluation from the Federal Deposit Insurance Corporation (FDIC), Division of Depositor and Consumer Protection. For banks with total assets of more than $250 million, OCC policy requires evaluations generally be performed every 36 to 48 months. is taken from the Federal Deposit Insurance Corporation (FDIC) Deposit Market Share Report data as of June 30, 2021. . OCC. 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 . The rating was based on Interagency Intermediate Small Institution CRA Examination Procedures. The institution received an "Outstanding" rating at its previous FDIC Performance Evaluation, dated June 18, 2018, utilizing the Interagency Large Institution CRA Examination Procedures. Our CRA Performance Evaluation. OCC policy governs the required frequency of CRA evaluations, subject to statutory limitations for smaller banks. Community Reinvestment Act (CRA) CRA Exam Schedule; CRA Performance Evaluations ; CRA Qualifying Activities Confirmation Request; Consumer Protection; Financial Literacy; Minority Outreach; Public Bank Information A copy of the public section of your bank's most recent CRA performance evaluation. For this assessment area, three community contact interviews were to ascertain specific used Search CRA Database by Bank Name. assessment areas. Section 28-b of the New York Banking Law, as amended, requires that when . 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 . The following points summarize the bank's Community Reinvestment Act (CRA) performance. 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. 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. This evaluation covers the period from the prior evaluation dated February 10, 2014, to the current evaluation dated May 31, 2017. Federal Deposit Insurance Corporation . Scope of the Evaluation Evaluation Period/Products Evaluated This Performance Evaluation (PE) assesses the bank's performance under the large bank Lending, Investment, and Service Tests. CRA performance based on an evaluation conducted as of June 30, 2014. The CRA performance rating does not reflect on an institution's financial condition. [ 2] As banks increase in asset size, they are subject to more detailed CRA performance evaluations. 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. If you know the month and year for publication of a CRA performance evaluation you can find it using the tables here. . TD Bank, N.A. ONB's CRA performance was rated "Satisfactory" in the last public evaluation dated February 2017. . Alternative banking services include online banking and remote Operations The FDIC's sole Outstanding rating came from the Cambridge Savings Bank. 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. Pre-Course Assignment The interagency proposed rule would, if finalized, replace the current CRA rules in . Clarifications to OCC Supervisory Policies Regarding CRA. branch locations cra file requirements. 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 LTD ratio is calculated on a bank-wide basis. This action realigned the OCC's CRA rule with those of the Federal Reserve Board and FDIC. Large Bank Supervision 400 7th Street S.W. PERFORMANCE EVALUATION Landmark National Bank Charter Number 23038 701 Poyntz Avenue Manhattan, KS 66502 .

This evaluation covers the period from the prior evaluation dated July 20, 2016, to the current evaluation dated August 26, 2019. 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. OCC, FRB, and FDIC April 2014 1 TABLE OF CONTENTS . The . A substantial majority of the small farm and small business loans reviewed were inside the Section 28-b of the New York Banking Law, as amended, requires that when . 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. Loan-to deposit ratio responsive to credit needs 2. Division of Depositor and Consumer Protection. Dallas Region - Memphis Area Office . If these, one bank was given an Outstanding rating, while two banks were provided a rating of Needs to Improve. 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 . 2022; 2021; 2020; 2019 . Good CRA ratings will result in less frequent CRA examinations. A negative rating brings a higher level of scrutiny both from the bank's regulator and the general public. 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 . 2035 Limestone Road .

COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION . the prior CRA . MB has not received any complaints related to its CRA performance. These procedures consist of the Lending, Investment, and Service Tests. For suggestions regarding this site, Contact Us. The Lending Test rating is based on a reasonable quarterly average net loan-to-deposit (LTD) ratio during the evaluation period.

A copy of the agencies' press release, along with tables showing . 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 . CRA Performance Evaluations for 57 FDIC-supervised institutions, and a sample of CRA examination workpapers. 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. The CRA requires financial institutions to define an AA within which the FDIC will evaluate the institution's CRA performance. institution's CRA performance based on an evaluation conducted as of December 31, 2010. Performance Evaluation Frequency and Timing.

19-01 Route 208 North . In addition, By selecting the criteria of the bank (s) you . Community Contact Information . Your bank must place the copy in its public files within 30 business days after receiving it. 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. NOTE: This document is an evaluation of this institution's record of meeting the credit needs institution's CRA performance based on an evaluation conducted as of September 30, 2016. . View All CRA Performance Evaluations. The CRA evaluation period is January 1, 2018, through December 31, 2020. . On August 2, 2021, Associated Bank, N.A. 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). The procedures consist of the Lending, Investment, and Service Tests (see Appendices). Introduction. This evaluation is not, nor should it be construed as, an assessment of the . The bank . 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 National Bank of Andrews . performance from July 1, 2018 to December 31, 2020 (the evaluation period). 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. filed with the Federal Deposit Insurance Corporation ("FDIC"), SHBA reported total assets of $1.3 billion, of . Section 28-b of the New York State Banking Law, as amended, requires that when . 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 . Community Reinvestment Act Performance Evaluation Correspondingly, what are CRA requirements? According to the FDIC, "maintaining a Satisfactory or better CRA exam rating will result in less frequent CRA examinations at your institution." Win-win! August 2, 2021. Columbia Bank Charter Number: 702454 . The evaluation covers Plan years 2018 and 2019, from April 1, 2018 to March 31, 2020. As part of our review, we published an The loan-to-deposit ratio is more than reasonable given the institution's size, financial condition, and assessment areas' credit needs. Office of the Comptroller of the Currency . Division of Depositor and Consumer Protection . 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). 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 . The FDIC and Division used Interagency Large Bank CRA Examination Procedures to evaluate Rockland Trust Company's (RTC) CRA performance. Published on 26/02/2022 by . 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. Box 442 St. Louis, Missouri 63166-0442 NOTE: This document is an evaluation of this institution's record of meeting the Section 28-b of the New York Banking Law, as amended, requires that when . See 60 FR 22156, 22177 (May 4, 1995). The Bank is currently operating under a Strategic Plan approved by the Federal Deposit Insurance Corporation ("FDIC") on February 25, 2015. The CRA ratings and performance evaluations are available at FDIC.gov. The evaluation covers Plan years 2018 and 2019, from April 1, 2018 to March 31, 2020. 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 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. Lending, Investment, and Service Tests for Large Retail Institutions Lending Test 1. Last Modified: 11/09/2018 10:06 AM . 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.

Deposit and loan products are offered by Associated Bank, N.A . slightly higher in Callaway and Moniteau Counties compared to Cole County, where Jefferson City is located. .

The action follows the OCC's rescission in . 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 FDIC provides quarterly updates for FDIC-supervised institutions to the FFIEC. Every CRA exam includes a Fair Lending evaluation. The bank shall place this copy in the public file within 30 business days after its receipt from the Board; 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. Therefore, the bank's CRA regulator will often shorten the time frame before their next examination. The Community Reinvestment Act (CRA) is a law intended . The Community Reinvestment Act (CRA), enacted in 1977, requires the Federal Reserve and other federal banking regulators to encourage financial institutions . Truist Bank 2017-2019 CRA Performance Evaluation Examiners used the Interagency Large Institution CRA Examination Procedures to evaluate BTC's CRA performance.

Last update: April 14, 2022. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION The Peoples Bank RSSD #446149 116 Main Street . 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 Evaluation, which include five performance criteria: 1. Experience reviewing Community Development activities may be beneficial, but is not required to attend this course. BCS functions as a retail commercial bank that operates 259 . Findings in a CRA exam can spark a targeted Fair Lending exam. Procedures to evaluate the bank's CRA performance . (Landmark) average quarterly loan-to-deposit ratio (LTD) since the prior CRA examination was 60 percent. The FDIC assesses the CRA performance of a bank in an examination as follows: ( 1) Lending, investment, and service tests.

needs in its AAs during the evaluation period. Percentage of loans/lending-related activity in an . The Peoples Bank CRA Performance Evaluation Marion, Kentucky March 21, 2022 2 NONCONFIDENTIAL // EXTERNAL Both assessment . Charter Number 24096 . Also, banks are expected to take immediate action to begin correcting the negative CRA rating. The Peoples Bank CRA Performance Evaluation Marion, Kentucky March 21, 2022 2 NONCONFIDENTIAL // EXTERNAL Both assessment . Maintained by the FFIEC. 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. 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. This evaluation covers the period from the prior evaluation dated September 25 . 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 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 . [ 43 FR 47151, Oct. 12, 1978, as amended at 82 FR 5356, Jan. 18, 2017] Part 345. Community Reinvestment Act (CRA) CRA Exam Schedule; CRA Performance Evaluations ; CRA Qualifying Activities Confirmation Request; Consumer Protection; Financial Literacy; Minority Outreach; Public Bank Information June 2, 2020 FDIC 0.

Documents are in PDF format. Andrews, TX 79714 . The Division and the FDIC used the Interagency Intermediate Small Institution Examination Procedures to evaluate the bank's CRA performance.

Welcome to the FFIEC Interagency CRA Rating Search. CRA Performance Evaluation. "PE" refers to "Performance Evaluation." The CRA requires each federal financial supervisory agency to use its authority when examining a financial institution subject to its supervision, to assess the institution's record of helping to meet the credit needs of its community. 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. BCS received a "Satisfactory" rating at the prior June 28, 2010, FDIC CRA Performance Evaluation based on CRA Large Bank procedures. We compared . CRA Examinations. historical CRA performance and ratings, community outreach to understand community needs and market conditions, and analysis of similarly situated banks with strategic plans. FDIC, and Board engaged with stakeholders, including civil rights organizations, community groups, members of Congress, academics, and banks, to obtain their . This rating deals strictly with how well the institution is meeting its responsibilities under the CRA. Medallion Bank (MB) operated under an FDIC-approved Community Reinvestment Act (CRA) Strategic Plan (Plan) during the evaluation period. The Central Trust Bank CRA Performance Evaluation Jefferson City, Missouri October 1, 2018 18 . 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. HarborOne received an overall "Outstanding" rating - the highest rating possible for its second consecutive CRA exam. For this most recent period, the FDIC conducted approximately 75 CRA performance evaluations. FDIC CRA Performance Ratings. We are an affiliate of (name of holding company), a bank holding company. 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. The Bank's CRA performance was rated Satisfactory in the last public evaluation dated April 24 . This can be shortened to as little as . Use this assessment area(s) to evaluate the institution's performance, but do not otherwise consider the revision in determining the institution's rating. and FDIC CRA Performance Evaluation dated April 13, 2015. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION The Peoples Bank RSSD #446149 116 Main Street . Charter Number 14788 1501 N. Main . COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. Large Bank CRA Examination Procedures On May 5, 2022, the US banking regulators 1 proposed revisions to the regulations implementing the Community Reinvestment Act (the "Proposal"). . Operations . is taken from the Federal Deposit Insurance Corporation (FDIC) Deposit Market Share Report data as of June 30, 2021. . Community Reinvestment Act (CRA) Help. Community Reinvestment Act (CRA) Loan Registers.

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