The Board may perhaps alter a small bank rating from “Satisfactory” to “Superb” at the institution level wherever the bank requests and gets additional thing to consider for pursuits that would qualify pursuant for the Retail Services and Products Examination in § 228.
(ii) The retail banking expert services and retail banking products and solutions needs of its facility-primarily based assessment places and on the establishment level that are lined via the strategy.
Besides as usually delivered During this section, a lender ought to be certain that its community file includes the data needed by this section for every in the past a few calendar yrs, with The latest calendar 12 months A part of its file annually by April 1 of the present calendar 12 months.
(iii) A listing exhibiting Each individual census tract in which the financial institution documented a little company loan or a small farm loan;
The Board evaluates a financial institution's Neighborhood improvement services effectiveness in a facility-primarily based evaluation location and assigns a conclusion for the facility-primarily based evaluation spot, by thinking of a number of of the subsequent:
When the Board receives a general public remark once the shut date of a bank's CRA assessment, it will be regarded as in connection with the lender's subsequent CRA evaluation.
(4) Lacking or defective data that may be required to work out the pertinent metrics and benchmarks or every other components that stop the Board from calculating a Retail Lending Take a look at recommended conclusion.
A financial institution need to delineate a number of facility-primarily based evaluation locations in which the Board evaluates the financial institution's history of helping to meet the credit demands of its whole Neighborhood pursuant towards the effectiveness assessments and strategic program explained in § 228.21.
In assigning Retail Lending Test conclusions for just a State pursuant to § 228.22(h), the Board will not look at a financial institution's things to do to become within the Point out if People actions happen in a very retail lending assessment place consisting of counties in multiple State.
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(A) For each of a financial institution's facility-dependent assessment places inside of an MSA, the MSA Nationwide Local community Growth Funding Benchmark actions the greenback volume of Neighborhood growth loans and Local community growth investments that gain or provide MSAs while in the nationwide place for all significant depository establishments as compared to deposits situated in the MSAs while in the nationwide spot for all big depository institutions.
A substantial financial institution will have to collect and report to the Board each year by April 1 a summary of Each individual retail lending evaluation space showing the States, MSAs, and counties within the retail lending assessment space for that prior calendar calendar year.
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The Financial institution Multistate MSA Neighborhood Improvement Funding Metric measures the greenback volume of the lender's Group progress loans and Neighborhood enhancement investments that gain or serve a multistate MSA as compared to deposits from the financial institution located in the multistate MSA, calculated pursuant to paragraph II.g of appendix B to this aspect.