These procedures consist of the Lending, Investment, and Service Tests. . The CRA performance rating does not reflect on an institution's financial condition. 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 The FDIC assesses the CRA performance of a bank in an examination as follows: ( 1) Lending, investment, and service tests. Good CRA ratings will result in less frequent CRA examinations. 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 . If you know the month and year for publication of a CRA performance evaluation you can find it using the tables here. This evaluation covers the period from the prior evaluation dated July 20, 2016, to the current evaluation dated August 26, 2019. The CRA requires financial institutions to define an AA within which the FDIC will evaluate the institution's CRA performance. The Lending Test rating is based on a reasonable quarterly average net loan-to-deposit (LTD) ratio during the evaluation period. Introduction. 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. Our CRA Performance Evaluation. Wilmington, DE 19808 . We compared . The Peoples Bank CRA Performance Evaluation Marion, Kentucky March 21, 2022 2 NONCONFIDENTIAL // EXTERNAL Both assessment . CRA Examinations. A copy of the public section of your bank's most recent CRA performance evaluation. These procedures include three tests: Lending Test, Investment Test, and Service Test. 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 . The Division and the FDIC used the Interagency Intermediate Small Institution Examination Procedures to evaluate the bank's CRA performance. Use this assessment area(s) to evaluate the institution's performance, but do not otherwise consider the revision in determining the institution's rating. CRA Performance Evaluations for 57 FDIC-supervised institutions, and a sample of CRA examination workpapers. CRA performance based on an evaluation conducted as of June 30, 2014. OCC, FRB, and FDIC April 2014 1 TABLE OF CONTENTS . The loan-to-deposit ratio is more than reasonable given the institution's size, financial condition, and assessment areas' credit needs. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. Medallion Bank (MB) operated under an FDIC-approved Community Reinvestment Act (CRA) Strategic Plan (Plan) during the evaluation period. Federal Deposit Insurance Corporation . Your bank must place the copy in its public files within 30 business days after receiving it. 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 Pre-Course Assignment Charter Number 24096 . BCS functions as a retail commercial bank that operates 259 . performance from July 1, 2018 to December 31, 2020 (the evaluation period). The CRA ratings and some of the public evaluations issued by the FDIC since July 1, 1990 are also available on the Internet. For this most recent period, the FDIC conducted approximately 75 CRA performance evaluations. assessment areas. This action realigned the OCC's CRA rule with those of the Federal Reserve Board and FDIC. Large Institution CRA Examination Procedures OCC, FRB, and FDIC April 2014 5 criteria. For banks with total assets of more than $250 million, OCC policy requires evaluations generally be performed every 36 to 48 months. 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. This evaluation is not, nor should it be construed as, an assessment of the . The changes affect chapters II, III and XII of the manual. The Bank is currently operating under a Strategic Plan approved by the Federal Deposit Insurance Corporation ("FDIC") on February 25, 2015. Dallas Region - Memphis Area Office . . A negative rating brings a higher level of scrutiny both from the bank's regulator and the general public. 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 . CRA Performance Evaluation. Truist Bank 2017-2019 CRA Performance Evaluation 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. 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 . 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. The institution received an "Outstanding" rating at its previous FDIC Performance Evaluation, dated June 18, 2018, utilizing the Interagency Large Institution CRA Examination Procedures. The CRA ratings and performance evaluations are available at FDIC.gov. institution's CRA performance based on an evaluation conducted as of December 31, 2010. 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. the prior CRA . HarborOne received an overall "Outstanding" rating - the highest rating possible for its second consecutive CRA exam. NOTE: This document is an evaluation of this institution's record of meeting the credit needs Search for CRA Performance Evaluations of non-Federal Reserve supervised banks: FDIC. 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 . View All CRA Performance Evaluations. Also, banks are expected to take immediate action to begin correcting the negative CRA rating. The Bank's CRA performance was rated Satisfactory in the last public evaluation dated April 24 . Maintained by the FFIEC. Loan-to deposit ratio responsive to credit needs 2. is taken from the Federal Deposit Insurance Corporation (FDIC) Deposit Market Share Report data as of June 30, 2021. . Every CRA exam includes a Fair Lending evaluation. filed with the Federal Deposit Insurance Corporation ("FDIC"), SHBA reported total assets of $1.3 billion, of . 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. Community Reinvestment Act (CRA) Loan Registers. 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. (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 . needs in its AAs during the evaluation period. Division of Depositor and Consumer Protection. The Community Reinvestment Act (CRA) is a law intended . PERFORMANCE EVALUATION . PERFORMANCE EVALUATION Landmark National Bank Charter Number 23038 701 Poyntz Avenue Manhattan, KS 66502 . The procedures consist of the Lending, Investment, and Service Tests (see Appendices). Correspondingly, what are CRA requirements? If you don't find what you are looking for here, submit a Freedom of Information Act (FOIA) request. and FDIC CRA Performance Evaluation dated April 13, 2015. Andrews, TX 79714 . slightly higher in Callaway and Moniteau Counties compared to Cole County, where Jefferson City is located. 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. 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. OCC. Washington, DC 20219 . Alternative banking services include online banking and remote Operations 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. Search CRA Database by Bank Name. Clarifications to OCC Supervisory Policies Regarding CRA. 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. 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. [ 43 FR 47151, Oct. 12, 1978, as amended at 82 FR 5356, Jan. 18, 2017] Part 345. 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. For suggestions regarding this site, Contact Us. 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. Last Modified: 11/09/2018 10:06 AM . 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). On August 2, 2021, Associated Bank, N.A. Large Bank CRA Examination Procedures 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. The Peoples Bank CRA Performance Evaluation Marion, Kentucky March 21, 2022 2 NONCONFIDENTIAL // EXTERNAL Both assessment . COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION The Peoples Bank RSSD #446149 116 Main Street . Examiners used the Interagency Large Institution CRA Examination Procedures to evaluate BTC's CRA performance. 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. . OCC policy governs the required frequency of CRA evaluations, subject to statutory limitations for smaller banks. In addition, As part of our review, we published an 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. 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. 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. Therefore, the bank's CRA regulator will often shorten the time frame before their next examination. Section 28-b of the New York State Banking Law, as amended, requires that when . The FDIC's sole Outstanding rating came from the Cambridge Savings Bank. 2035 Limestone Road . On May 5, 2022, the US banking regulators 1 proposed revisions to the regulations implementing the Community Reinvestment Act (the "Proposal"). Experience reviewing Community Development activities may be beneficial, but is not required to attend this course. Last update: April 14, 2022. 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. . 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. The CRA evaluation period is January 1, 2018, through December 31, 2020. . Section 28-b of the New York Banking Law, as amended, requires that when . This evaluation covers the period from the prior evaluation dated September 25 . Lending, Investment, and Service Tests for Large Retail Institutions Lending Test 1. This evaluation covers the period from the prior evaluation dated February 10, 2014, to the current evaluation dated May 31, 2017. institution's CRA performance based on an evaluation conducted as of September 30, 2016. This can be shortened to as little as . June 2, 2020 FDIC 0. Community Contact Information . is taken from the Federal Deposit Insurance Corporation (FDIC) Deposit Market Share Report data as of June 30, 2021. . For this assessment area, three community contact interviews were to ascertain specific used "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. 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 . As banks increase in asset size, they are subject to more detailed CRA performance evaluations. 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). . 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. Deposit and loan products are offered by Associated Bank, N.A . The Community Reinvestment Act (CRA), enacted in 1977, requires the Federal Reserve and other federal banking regulators to encourage financial institutions . branch locations cra file requirements. 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. 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. 19-01 Route 208 North . The LTD ratio is calculated on a bank-wide basis. 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. 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 [ 2] 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 FDIC, and Board engaged with stakeholders, including civil rights organizations, community groups, members of Congress, academics, and banks, to obtain their . Evaluation, which include five performance criteria: 1. . MB has not received any complaints related to its CRA performance. BCS received a "Satisfactory" rating at the prior June 28, 2010, FDIC CRA Performance Evaluation based on CRA Large Bank procedures. The bank shall place this copy in the public file within 30 business days after its receipt from the Board; The . Documents are in PDF format. The action follows the OCC's rescission in . . . A substantial majority of the small farm and small business loans reviewed were inside the ONB's CRA performance was rated "Satisfactory" in the last public evaluation dated February 2017. If these, one bank was given an Outstanding rating, while two banks were provided a rating of Needs to Improve. Percentage of loans/lending-related activity in an . According to the FDIC, "maintaining a Satisfactory or better CRA exam rating will result in less frequent CRA examinations at your institution." Win-win! 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 . Search for Performance Evaluations & Ratings of State Member Banks. Operations . Procedures to evaluate the bank's CRA performance . From the August 2017 to September 2020 . We are an affiliate of (name of holding company), a bank holding company. Community Reinvestment Act (CRA) CRA Exam Schedule; CRA Performance Evaluations ; CRA Qualifying Activities Confirmation Request; Consumer Protection; Financial Literacy; Minority Outreach; Public Bank Information Community Reinvestment Act (CRA) Help. Division of Depositor and Consumer Protection . The FDIC and Division used Interagency Large Bank CRA Examination Procedures to evaluate Rockland Trust Company's (RTC) CRA performance. 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. Medallion Bank (MB) operated under an FDIC-approved Community Reinvestment Act (CRA) Strategic Plan (Plan) during the evaluation period. Community Reinvestment Act Performance Evaluation August 2, 2021. 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 .
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