CRA Performance Evaluations

The Community Reinvestment Act (CRA) was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). Neither the CRA nor its implementing regulation gives specific criteria for rating the performance of depository institutions. Rather, the law indicates that the evaluation process should accommodate an institution's individual circumstances. The law does not require institutions to make high-risk loans that jeopardize their safety, but instead, the law makes it clear that an institution's CRA activities should be undertaken in a safe and sound manner.

CRA examinations are conducted by the federal agencies that are responsible for supervising depository institutions. These examinations are available to the public.

CRA Performance Evaluations

Date  Bank
January 6, 2014   The Richwood Banking Co.
February 10, 2014   Twin Valley Bank
 March 31, 2014   Hamler State Bank

April 28, 2014

  The Ohio Valley Bank Co.

CRA Performance Evaluation Archives