The CRA was designed to encourage banks and thrifts to meet the local credit needs, including those of low- to moderate-income households, in a responsible manner. Under the Financial Institutions Reform, Recovery and Enforcement Act of 1989, Congress requires the FDIC to make public all evaluations and ratings for banks that have undergone a CRA examination on or after July 1, 1990.
The FDIC published the results of banks across various regions, including Atlanta, Chicago, Dallas, Kansas City, New York and San Francisco.
Atlanta-area banks examined for CRA compliance include Traders & Farmers Bank, Marquis Bank, Peoples State Bank, NorthStar Bank, Fidelity Bank, Commercial State Bank, First Covenant Bank, F&M Bank, First Trust Bank, and Yadkin Valley Bank and Trust Company.
Chicago-area banks examined for compliance include Edgebrook Bank, North County Savings Bank, Bloomfield State Bank, Community State Bank, West End Bank, Terre Haute Savings Bank, Citizens Bank of Cumberland County, Bank of Caneyville, Franklin Bank & Trust Company, The Salt Lick Deposit Bank, Commercial Bank, Mechanics Bank, Columbus First Bank, American Bank & Trust Wisconsin, and DMB Community Bank.
Banks examined in the Dallas region include Merchants & Planters’ Bank, Frontier Bank, Community Bank of Louisiana, Planters Bank & Trust Company, The Bank of Clovis, First New Mexico Bank of Silver City, Bank of Commerce, First State Bank, Macon Bank and Trust Company, Sovereign Bank, Tolleson Private Bank, and Cypress Bank.
Kansas City region banks that underwent evaluation include Peoples State Bank, Decorah Bank & Trust Company, The Emmet County State Bank, Citizens Savings Bank, Monroe State Bank, Raccoon Valley Bank, Peoples Savings Bank, Almena State Bank, The Farmers & Merchants State Bank of Cawker City, Voyager Bank, Farmers & Merchants State Bank of New York Mills, Sentry Bank, First State Bank of Wabasha, The Bank of Grain Valley, The Nodaway Valley Bank, Farmers State Bank, American Interstate Bank, First State bank, The Security State Bank, and Reliabank Dakota.
New York-area banks evaluated for CRA compliance include Blue Hills Bank, Cape Ann Savings Bank, Hingham Institution for Savings, Newburyport Five Cents Savings Bank, Stoughton Co-operative Bank, Hebron Savings Bank, Provident State Bank and Pascack Community Bank.
Banks evaluated in the San Francisco region include California Bank of Commerce, Commerce Bank of Temecula Valley, Bank of Marin, United American Bank, Sunwest Bank, Central Pacific Bank and First Savings Bank Northwest.