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Community Reinvestment Act Exams
The New York Fed conducts CRA exams of Second District member banks. The written evaluations and the banks' CRA ratings are made public. Read recent CRA public evaluations and find out which banks are scheduled for an upcoming CRA exam here.
Background
Community Reinvestment Act
Definitions of CRA Ratings
Second District Member Banks
Interagency Questions and Answers PDF
Federal Register 64 (84), May 3, 1999; 31 pages / 229 kb
Bank Evaluation
Evaluations are based on lending, investment and service tests; for most banks, the lending test is weighted most heavily in determining the overall rating.
   
 
Bank
Exam Date
Public Date*
Rating
Report
 
 
Alden State Bank
Dec 4, 2006
May 31, 2007
Satisfactory
PDF
13 pages / 439 kb
 
Banco Popular de Puerto Rico
Aug 5, 2006
April 5, 2007
Outstanding
PDF
80 pages / 854 kb
 
Bank of Millbrook
Nov 13, 2006
Aug 9, 2007
Satisfactory
PDF
12 pages / 854 kb
 
BPD Bank
Oct 10, 2006
May 3, 2007
Outstanding
PDF
13 pages / 335 kb
 
Chemung Canal Trust Company
Jan 30, 2006
May 1, 2007
Outstanding
PDF
27 pages / 502 kb
 
Community Bank of Bergen County
Feb 6, 2006
Jun 26, 2006
Satisfactory
PDF
12 pages / 299 kb
 
Deutsche Bank Trust Company Americas
Nov 20, 2006
May 14, 2007
Outstanding
PDF
14 pages / 394 kb
 
First State Bank
Oct 23, 2006
July 5, 2007
Satisfactory
PDF
13 pages / 440 kb
 
Gotham Bank of New York
Jun 30, 2006
April 2, 2007
Satisfactory
PDF
14 pages / 349 kb
 
M & T Trust Company
May 8, 2006
Mar 22, 2007
Outstanding
PDF
195 pages / 3.22 Mb
 
Mizuho Corporate Bank (USA)
Jan 9, 2006
Jun 19, 2006
Outstanding
PDF
13 pages / 319 kb
 
Tioga State Bank
Feb 27, 2006
Oct 24, 2006
Satisfactory
PDF
16 pages / 401 kb
 
*A copy of the public section of the most recent CRA performance evaluation must be placed in a bank's public file within 30 business days after its receipt from the Board of Governors of the Federal Reserve System.

Performance Evaluations Archive
1999 | 1998 | 1997 | 1996 | 1995

   
Additional Resources
Federal Reserve Board:
Community Reinvestment Act Strategic Plan OFFSITE
CRA Performance Ratings OFFSITE
Wholesale and Limited Purpose Designations

Federal Financial Institutions Examination Council: CRA offsite

The Twenty-Fifth Anniversary of the Community Reinvestment Act: Past Accomplishments and Future Regulatory Challenges PDF
Economic Policy Review, June 2003, 23 pages / 209 kb