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. 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. Banner Bank received the highest possible Outstanding rating from the Federal Deposit Insurance Corporation (FDIC) for its 2021 Community Reinvestment Act (CRA) Performance 705 North Grand Avenue Spencer, Iowa 51301 . The FDIC assesses the CRA performance of a bank in an examination as follows: ( 1) Lending, investment, and service tests. The Community Reinvestment Act (CRA) was enacted in 1977 to prevent redlining. [back to text] CRA Disclosure Statements are publicly available on the FFIEC website. ( 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. 248 East Capitol Street Jackson, MS 39201 . 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. CRA Performance Evaluation. Federal bank regulatory agencies today jointly issued a proposal to strengthen and modernize regulations implementing the Community Reinvestment Act (CRA) to better achieve 705 North Grand Avenue Spencer, Iowa 51301 . 248 East Capitol Street Jackson, MS 39201 . 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) 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. Federal Deposit Insurance If these, one bank was given an Outstanding The FDIC assesses the CRA performance of a bank in an examination as follows: ( 1) Lending, investment, and service tests. 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 Federal Reserve evaluates how well state member banks have helped meet the needs of their communities using one of five Division of Depositor and Consumer Protection . This information is also available at the OCC Comptroller of the 615 Main Avenue . Office of the Comptroller of the Currency . 1147, title VIII of the Housing and Community Development Act of 1977, 12 U.S.C. CRA will be essential for COVID-19 economic recovery in the communities hardest hit by the pandemic. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Calumet County Bank RSSD #37743 103 North Main Street Brillion, Wisconsin 541101126 Federal Reserve Bank of 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) 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. The CRA ratings and performance evaluations are available at FDIC.gov. For those who have limited or constrained internet access, please see Office of the As a federal law enacted in 1977, the CRA encourages financial institutions to reinvest in the communities it serves. RSSD #577128 . BancorpSouth Bank . COMMUNITY REINVESTMENT ACT (CRA) PERFORMANCE EVALUATION. Comerica Bank is committed to providing information for public inspection under the Community Reinvestment Act. 95-128, 91 Stat. Institutions Covered by CRA. 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. NOTE: This document is an evaluation of this institution's record of meeting the credit needs of its The final rule applies to national banks and federal

CRA performance based on an evaluation conducted as of June 30, 2014. 2035 Limestone Road . 1147, title VIII of the Housing and Community Development Act of 1977, 12 U.S.C. Cleveland, Ohio 44101-1387 . The FDIC applies the lending, investment, and service Ally Bank, together with AFI, is the nation's Truist Bank 2017-2019 CRA Performance Evaluation. 138 Putnam Street . The Community Reinvestment Act (CRA, P.L. Federal Reserve Bank of Cleveland . 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 Examiners used the Interagency Large Institution The most recent CRA Performance Evaluation. PERFORMANCE EVALUATION . Old Second National Bank . COMMUNITY REINVESTMENT ACT (CRA) PERFORMANCE EVALUATION. The Community Reinvestment Act was passed in 1977 to end discrimination known as redlining. Box 6387 . Historically, around 98% of banks have passed their CRA evaluations every year. 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 . 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 (download size 2.36MB) Examination Date: October 16, 2017. The PDF documents linked below are CRA Performance Evaluations of our partner banks. Timely and transparent CRA data, including CRA performance evaluations (CRA PEs), will provide meaningful information to all stakeholders, rather than to relatively few Welcome to the FFIEC Interagency CRA Rating Search. NOTE: This document is an evaluation of this bank 's record of meeting the credit needs of its The FDIC assigned WGSB a Satisfactory rating at its previous CRA Performance Evaluation, dated June 5, 2017 using Intermediate Small Institution Examination Procedures. This information is also available at the OCC Comptroller of the Currency, Administrator of National Banks website, at occ.treas.gov. 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. 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. 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. PERFORMANCE EVALUATION . A positive contribution to the community is reflected in a good rating. TABLE OF CONTENTS and a net loan-to-deposit ratio of 48.2%. Dixon, California 95620 . Discrimination in lending is still a problem.

Appendix A to Part 25 - Ratings. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION . 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 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 Community Reinvestment Act.

Section 28-b of the New York Banking Law, as amended, requires that when with the Federal Deposit Insurance The Community Reinvestment Act (CRA, P.L. PERFORMANCE EVALUATION. Charter Number: 24522 HBUS was rated Satisfactory at its previous CRA evaluation dated December 31, 2014. COMMUNITY REINVESTMENT ACT (CRA) PERFORMANCE EVALUATION. By providing the CRA Public File online, Banner is better able to keep this data up to date. Welcome to the FFIEC Interagency CRA Rating Search. 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 Certificate Number: 11813 . The highlighted portions of the reports are typical The information on this site may be downloaded by any member of the public. institutions CRA performance based on an evaluation conducted as of December 31, 2010. As is the case each month, the OCC and FDIC released a list of Community Reinvestment Act (CRA) performance evaluations from May of 2018. PERFORMANCE EVALUATION. They expose CRA. 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. CRA Performance Evaluations Archive. A bank's entire public CRA file must be available at its main office. This performance evaluation, conducted jointly by the Federal Deposit Insurance Corporation (FDIC) and the Commonwealth of Massachusetts Division of Banks (Division), covers the FSBs prior CRA performance evaluation dated July 2, 2018 assigned an overall Satisfactory rating using intermediate small bank procedures. 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. Wilmington, DE 19808 .

Elmira Savings Bank RSSD No. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Eastern Bank Certificate Number: 32773 265 Franklin Street Boston, Massachusetts 02110 Division of Banks Federal CRA Statute & Tools. 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 . PERFORMANCE EVALUATION . 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 FDIC Division of Compliance and Consumer Affairs (DCA) was Associated Bank, National Association . We invite you to review our most recent CRA 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. This search engine will enable you to find the latest CRA ratings of financial institutions supervised by the Federal 1. These Reports set the standards by which a bank will be examined. 2022 Interagency Notice of Proposed Rulemaking. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION . It required banks to meet the credit needs of the communities where they do business. The proposal includes five performance scores: Outstanding, High Satisfactory, Low Satisfactory, Needs to Improve, and Substantial Noncompliance. Scores would be The bank has no financial or legal impediments in meeting the credit needs of its AA. systems, retail and commercial loans, deposit products and services, and CD services provided in the banks AAs. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION First Northern Bank of Dixon Certificate Number: 3440 195 North First Street Dixon, California 95620 Federal Deposit PERFORMANCE EVALUATION. federal bank regulatory agencies in assessing CRA performance. 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 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. 200 North Adams Street Green Bay, WI 54301 . You can also further narrow your search to focus The CRA Performance Evaluation is the evaluation of institutions record of meeting the credit needs of its entire community, including low- and moderate PERFORMANCE EVALUATION . 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 . 248 East Capitol Street Jackson, MS 39201 . Office of the Comptroller of the Currency . Are banks required to keep a CRA public file? Trustmark National Bank . The evaluation covers Plan years (a) Information available to the public. 25 Jessie Street at Ecker Square, Suite 2300 . 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 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 NOTE: This document is an evaluation of this bank's record of meeting the credit needs of its These evaluations are a

400 7th Street SW Washington, D.C. 20219 . 95-128, 91 Stat. Community Reinvestment Act (CRA) CRA Exam Schedule; CRA Performance Evaluations ; CRA Qualifying Activities Confirmation Request; Consumer Protection; Financial Literacy; Minority 1100 Walnut Street, Suite 2100 Kansas City, Missouri 64106 195 North First Street . 425 S. Financial Place, Suite 1700 . Information is also Source: Federal Deposit Insurance Corporation (FDIC) Call Report, December 31, 2020. The following table reflects the loan portfolio mix. Federal Deposit Insurance Corporation . Choose the link below to view the most recent U.S. Bank National Association CRA Performance evaluation. Charter Number: 23695 . CRA Statement. Medallion Bank (MB) operated under an FDIC-approved Community Reinvestment Act (CRA) Strategic Plan (Plan) during the evaluation period. 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 O Cs Web site. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION The Camden National Bank Charter Number: 2311 2 Elm Street Camden, ME 04843 consideration at the COMMUNITY REINVESTMENT ACT . The following table reflects the loan portfolio mix. The OCC has issued a final rule revising its regulation implementing the Community Reinvestment Act (CRA). [back to text] Annual CRA Asset-Size Threshold Adjustments are available on the FFIEC website. Bank Name: U.S. Bank National Association. Old Second National Bank . One Mississippi Plaza 201 South Spring Street Tupelo, Mississippi drive-in and night deposit services, and safe deposit facilities. Maintained by the FFIEC. Trustmark National Bank Charter Number: 10523 . 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 The institution operates nine full-service offices throughout Grafton and Coos Counties in NH. San Francisco Regional Office . 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), PERFORMANCE EVALUATION . 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

For this most recent period, the FDIC conducted approximately 75 CRA performance evaluations. 37-39 South River Street Aurora, IL 60506 . ( a) Ratings in general. Office of the First Northern Bank of Dixon Certificate Number: 3440 . Market Data extracted from the latest FFIEC National Reported HMDA, CRA, and Community Development. Marietta, Ohio 41501 . Choose the link below to view the most recent U.S. Bank National Association CRA Performance evaluation. 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. CRA Performance Evaluation. 2901 et seq.) BancorpSouth Bank . The banks loan-to-deposit ratio is reasonable given the banks size, 2901 et seq.) Charter Number 4596. Frost Bank CRA Performance Evaluation San Antonio, TX August 13, 2018 . Charter Number: 10523 . Since July 1, 1990, the agencies are required to make an institutions rating and written performance evaluation available to the public.

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. 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. PERFORMANCE EVALUATION Landmark National Bank Charter Number 23038 701 Poyntz Avenue Manhattan, KS 66502 (Landmark) average quarterly loan-to-deposit ratio (LTD) since CRA PERFORMANCE EVALUATION COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Chino Commercial Bank, N.A. The FDIC is responsible for evaluating the CRA activities of insured, state-chartered, non-member financial institutions. Trustmark National Bank Charter Number: 10523 .

Northwest Bank Certificate Number: 32647 . This Performance Evaluation assesses the banks performance under the Lending, Investment, and Service Tests. Office of the Comptroller of the Currency . The bank also operates 102 deposit-taking ATMs in its branch network. COMMUNITY REINVESTMENT ACT . Federal Deposit Insurance Corporation . Map of each assessment area that shows the boundaries. Community Reinvestment Act . The bank received a Satisfactory rating in its previous CRA evaluation, dated September 6, Northwest Bank Certificate Number: 32647 .

View the most recent CRA Performance Evaluation from the Federal Deposit Insurance Corporation (FDIC), Division of Depositor and Consumer Protection. Federal Deposit Insurance Corporation Division of Depositor and Consumer Protection Kansas City Regional Office . PERFORMANCE EVALUATION. 37-39 South River Street Aurora, IL 60506 OSNB received a rating of Outstanding in the last CRA evaluation dated April 23, 2018. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION . Charter Number 24096 . Operations . COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. Examples of CRA Examinations . in Woodsville, New Hampshire (NH) and wholly owned by Guaranty Bancorp, Inc. 25 Jessie Street at Ecker Square, Suite 2300 TCB received a 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 This evaluation covers the period from the prior evaluation dated July 20, 2016, to the current evaluation dated August 26, 2019. Access our most recent public CRA disclosure statements. COMMUNITY REINVESTMENT ACT . Upon conclusion, a written CRA Performance Evaluation is prepared. CRA Disclosure Statements. 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 Valley National Bank Charter Number: 15790 . 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. For suggestions regarding this site, Contact Us. The 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. Recent CRA performance evaluations of state member banks examined by the Federal Reserve Bank of Cleveland are listed below. 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 TD Bank, N.A. The FDIC also takes this record into account when deciding on certain applications submitted by us. This evaluation covers the period from January 30, 2017, to July 9, 2019, the date of the previous evaluation to the current evaluation date. Section 28-b of the New York State Banking Law, as amended, requires that when 2010, filed Types of CRA RatingsOverall ratingState ratingMultistate metropolitan statistical area (MSA) ratingComponent test ratings Division of Depositor and Consumer Protection . 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. HSBC Bank USA, N.A. Evaluating a Bank's CRA Performance. FDIC CRA Performance Ratings. San Francisco Regional Office . COMMUNITY REINVESTMENT ACT . 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) COMMUNITY REINVESTMENT ACT . P.O. 400 7th Street SW Washington, D.C. 20219 . Certificate Number: 11813 . 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. 861304 333 East Water Street . Charter Number 4596. Peoples Bank . Office of the Comptroller of Chicago, IL 60605 . CRA Performance Evaluations Use this search tool to find CRA performance evaluations for a specific bank or for all the banks in a state.