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.

June 2, 2014


The Ottoville Bank Co.

CRA Performance Evaluation Archives