Community Reinvestment Act

At Better Banks, we are committed to helping our customers reach their goals and succeed. We understand that when you succeed, we succeed, and our communities grow and prosper.  We strive to positively impact our local communities, by meeting the credit needs where we do business, including low- and moderate-income neighborhoods.

The following information is current as of April 1 of each year and may be updated periodically.

CRA Performance Evaluation

Branch Locations and Branch Hours of Operation

Opened and Closed Branches

Assessment Area Map

Loan to Deposit ratios

Products & Services

• Personal Banking
• Business Banking
• Investment
• Mortgage Banking

Fee Schedule

Written Comments

All written comments received from the public for the current year and each of the prior two calendar years relating specifically to the bank's performance in helping to meet the community credit needs and response to the comments by the bank. None at this time.

CRA Public File Requests

Better Banks can provide hard copies of the CRA Public File. Please note that we may charge a fee for copying and mailing expenses. Contact your local branch for this request.

Home Mortgage Disclosure (HMDA) Notice
Effective January 1, 2018, the Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending are available online for review.  The data shows the geographic distribution of loans and applications, the ethnicity, race, sex, age, and income of applicants and borrowers, and information about loan approvals and denials.

From the calendar year 2017 forward, this data is available online at the Consumer Financial Protection Bureau’s website. HMDA data for many other financial institutions are also available on this website.