Charter Number 24096 . We are an affiliate of (name of holding company), a bank holding company. Alternative banking services include online banking and remote Operations The CRA performance rating does not reflect on an institution's financial condition. Large Institution CRA Examination Procedures OCC, FRB, and FDIC April 2014 5 criteria. The action follows the OCC's rescission in . 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 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 . 2035 Limestone Road . branch locations cra file requirements. [ 43 FR 47151, Oct. 12, 1978, as amended at 82 FR 5356, Jan. 18, 2017] Part 345. This action realigned the OCC's CRA rule with those of the Federal Reserve Board and FDIC. Office of the Comptroller of the Currency . August 2, 2021. 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. . Your bank must place the copy in its public files within 30 business days after receiving it. 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 . "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. Charter Number 14788 1501 N. Main . Community Contact Information . Box 442 St. Louis, Missouri 63166-0442 NOTE: This document is an evaluation of this institution's record of meeting the Medallion Bank (MB) operated under an FDIC-approved Community Reinvestment Act (CRA) Strategic Plan (Plan) during the evaluation period. Section 28-b of the New York Banking Law, as amended, requires that when . For this most recent period, the FDIC conducted approximately 75 CRA performance evaluations. 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. Operations . 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 I. Welcome to the FFIEC Interagency CRA Rating Search. A copy of the public section of your bank's most recent CRA performance evaluation. 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 . Use this assessment area(s) to evaluate the institution's performance, but do not otherwise consider the revision in determining the institution's rating. The FDIC's sole Outstanding rating came from the Cambridge Savings Bank. . 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. Dallas Region - Memphis Area Office . Findings in a CRA exam can spark a targeted Fair Lending exam. 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. (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 . CRA performance based on an evaluation conducted as of June 30, 2014. See 60 FR 22156, 22177 (May 4, 1995). The CRA requires financial institutions to define an AA within which the FDIC will evaluate the institution's CRA performance. The Peoples Bank CRA Performance Evaluation Marion, Kentucky March 21, 2022 2 NONCONFIDENTIAL // EXTERNAL Both assessment . Published on 26/02/2022 by . Community Reinvestment Act (CRA) CRA Exam Schedule; CRA Performance Evaluations ; CRA Qualifying Activities Confirmation Request; Consumer Protection; Financial Literacy; Minority Outreach; Public Bank Information (Landmark) average quarterly loan-to-deposit ratio (LTD) since the prior CRA examination was 60 percent. 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. Division of Depositor and Consumer Protection. Federal Deposit Insurance Corporation . Large Bank Supervision 400 7th Street S.W. 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. Clarifications to OCC Supervisory Policies Regarding CRA. FDIC, and Board engaged with stakeholders, including civil rights organizations, community groups, members of Congress, academics, and banks, to obtain their . [ 2] 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 PERFORMANCE EVALUATION The Peoples Bank RSSD #446149 116 Main Street . COMMUNITY REINVESTMENT ACT 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. . historical CRA performance and ratings, community outreach to understand community needs and market conditions, and analysis of similarly situated banks with strategic plans. CRA Examinations. 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 National Bank of Andrews . 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 evaluation covers Plan years 2018 and 2019, from April 1, 2018 to March 31, 2020. 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. CRA Performance Evaluation View the most recent CRA Performance Evaluation from the Federal Deposit Insurance Corporation (FDIC), Division of Depositor and Consumer Protection. The procedures consist of the Lending, Investment, and Service Tests (see Appendices). 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. 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 . MB has not received any complaints related to its CRA performance. The Community Reinvestment Act (CRA), enacted in 1977, requires the Federal Reserve and other federal banking regulators to encourage financial institutions . This rating deals strictly with how well the institution is meeting its responsibilities under the CRA. This evaluation covers the period from the prior evaluation dated February 10, 2014, to the current evaluation dated May 31, 2017. Experience reviewing Community Development activities may be beneficial, but is not required to attend this course. For suggestions regarding this site, Contact Us. Evaluation, which include five performance criteria: 1. 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 As banks increase in asset size, they are subject to more detailed CRA performance evaluations. As part of our review, we published an PERFORMANCE EVALUATION . Lending, Investment, and Service Tests for Large Retail Institutions Lending Test 1. is taken from the Federal Deposit Insurance Corporation (FDIC) Deposit Market Share Report data as of June 30, 2021. . 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. • The loan-to-deposit ratio is more than reasonable given the institution's size, financial condition, and assessment areas' credit needs. institution's CRA performance based on an evaluation conducted as of September 30, 2016. Percentage of loans/lending-related activity in an . Good CRA ratings will result in less frequent CRA examinations. The following points summarize the bank's Community Reinvestment Act (CRA) performance. The FDIC assesses the CRA performance of a bank in an examination as follows: ( 1) Lending, investment, and service tests. A negative rating brings a higher level of scrutiny both from the bank's regulator and the general public. . The bank shall place this copy in the public file within 30 business days after its receipt from the Board; Community Reinvestment Act (CRA) Help. We compared . 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. • The Lending Test rating is based on a reasonable quarterly average net loan-to-deposit (LTD) ratio during the evaluation period. PERFORMANCE EVALUATION . The LTD ratio is calculated on a bank-wide basis. MB has not received any complaints related to its CRA performance. • The CRA ratings and performance evaluations are available at FDIC.gov. This evaluation covers the period from the prior evaluation dated July 20, 2016, to the current evaluation dated August 26, 2019. Procedures to evaluate the bank's CRA performance . Large Bank CRA Examination Procedures slightly higher in Callaway and Moniteau Counties compared to Cole County, where Jefferson City is located. 19-01 Route 208 North . 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. 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 . 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. On August 2, 2021, Associated Bank, N.A. The Central Trust Bank CRA Performance Evaluation Jefferson City, Missouri October 1, 2018 18 . FDIC CRA Performance Ratings. 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. Examiners used the Interagency Large Institution CRA Examination Procedures to evaluate BTC's CRA performance. Search CRA Database by Bank Name. For this assessment area, three community contact interviews were to ascertain specific used 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. assessment areas. COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION. From the August 2017 to September 2020 . Last update: April 14, 2022. Community Reinvestment Act (CRA) Loan Registers. 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. This evaluation is not, nor should it be construed as, an assessment of the . BCS functions as a retail commercial bank that operates 259 . Community Reinvestment Act Performance Evaluation 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.