What the CRA public file contains
The Community Reinvestment Act requires us to publish our performance evaluation, the assessment areas we serve, our branch openings and closings, and the products and services available at each location. The file is available at every branch and by mail on request.
- Most recent evaluationOutstanding, 2025
- Assessment areas31 metropolitan and rural areas
- Community development lending$1.4 billion in 2025
- Small business loans under $1M11,400 originations
- Branches in low-to-moderate income tracts28% of network
Where the money goes
Community development lending funds affordable housing, small business growth and community facilities. Our financial education programme runs in schools, libraries and community centres in every assessment area.
- Affordable housing construction and preservation lending
- Small business lending with reduced documentation under $250,000
- Down payment assistance in 14 markets
- Free financial education workshops, open to non-customers
Comment on our performance
You may submit written comments about our performance in meeting community credit needs. Comments are placed in the public file for the current year and the prior two years.
