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
February 4, 2013   The Citizens Banking Co.
April 22, 2013   Madison Bank
June 3, 2013   The Andover Bank
June 17, 2013   Croghan Colonial Bank
August 19, 2013   The Commercial and Savings Bank of Millersburg, Ohio
September 30, 2013          The Cortland Savings & Banking Co.
December 2, 2013   Ohio Heritage Bank

CRA Performance Evaluation Archives