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Community Reinvestment Act Ratings and Performance Evaluation Public Summaries

Banking institutions subject to New York State CRA are assessed once every 24 to 36 months, except institutions with total assets below $250 million and rated "Satisfactory" or "Outstanding" in their most recent CRA examination performed by the Department generally will be examined once every 48 or 60 months, respectively. The Department prepares a written report summarizing the results of each assessment and assigns to each institution a numerical CRA rating based on a 1 to 4 scoring system, representing a performance assessment as follows:

1 = Outstanding record of meeting community credit needs;
2 = Satisfactory record of meeting community credit needs;
3 = Needs to improve record of meeting community credit needs;
4 = Substantial noncompliance in meeting community credit needs.

The following chart identifies the ratings for banking institutions subject to New York State CRA. To view the public summary of an institution's CRA performance evaluation, simply click on the rating for that institution below. For additional information on recent or upcoming exams see our most recent CRA Examination Schedule.



2008 2009 2010 2011 2012 2013 2014
Adirondack Bank Satisfactory       Satisfactory    
Adirondack Trust Co Outstanding       Satisfactory    
Alden State Bank   Satisfactory          
Allied Irish Bank              
Alma Bank   Satisfactory     Satisfactory    
Alpine Capital Bank   Satisfactory          
Amalgamated Bank     Satisfactory       Satisfactory
Amerasia Bank     Outstanding        
American Community Bank     Outstanding        
Apple Bank for Savings   Outstanding       Satisfactory  
Atlantic Bank of NY              
Atlas S&L Association              
Banco Popular N.America     Satisfactory   Satisfactory    
Bank Hapoalim B.M.   Satisfactory       Satisfactory  
Bank Leumi USA   Outstanding     Outstanding    
Bank of Akron       Satisfactory     Satisfactory
Bank of Baroda   Satisfactory       Satisfactory  
Bank of Castile        Outstanding      
Bank of Cattaraugus      Outstanding        
Bank of Greene County              
Bank of Holland  Outstanding            
Bank of India    Needs to Improve       Needs to Improve  
Bank of Millbrook Satisfactory            
Bank of Richmondville Satisfactory            
Bank of Smithtown Satisfactory            
Bank of Tokyo-Mitsubishi Trust Co     Outstanding        
Bank of Utica     Satisfactory     Satisfactory  
Bankers Trust Co              
Berkshire Bank     Satisfactory     Satisfactory  
BPD International Bank Outstanding            
BSB Bank & Trust Co              
Canisteo S&L Association              
Capital Bank & Trust Co Outstanding            
Cathay Bank              
Catskill Hudson Bank Outstanding       Satisfactory    
Cattaraugus County Bank     Satisfactory        
Charter One Commercial Bank              
Checkspring Bank     Outstanding        
Chemung Canal Trust Co Outstanding         Outstanding
Chinatrust Bank (USA)              
Chinese American Bank              
Citibank (NY State)              
Citizens Bank of Cape Vincent         Satisfactory    
Community Capital Bank              
Community Mutual S/B              
Country Bank Outstanding     Satisfactory     Satisfactory
Cross County Savings Bank           Satisfactory  
Deutsche Bank Trust Outstanding   Outstanding   Outstanding   Outstanding
Dime Savings Bank of Williamsburg           Satisfactory  
Elmira Savings Bank         Satisfactory    
Emigrant Savings Bank              
Empire State Bank           Satisfactory  
European American Bank              
Fairport Savings Bank             Satisfactory
First American International  Bank Satisfactory         Satisfactory  
First Central Savings Bank           Satisfactory  
First Republic Bank              
First State Bank, Canisteo              
First Tier Bank & Trust Co              
Five Star Bank Outstanding     Outstanding      
Fuji Bank & Trust Co              
Fulton Savings Bank   Outstanding       Satisfactory  
Genesee Regional Bank Satisfactory         Satisfactory  
Global Bank Satisfactory         Outstanding  
Gold Coast Bank   Outstanding          
Goldman Sachs Bank USA     Outstanding   Outstanding   Outstanding
Gotham Bank of NY              
Great Eastern Bank              
Greater Buffalo Savings Bank              
GreenPoint Bank              
Habib American Bank   Satisfactory     Satisfactory    
Hamptons State Bank              
Hanover Community Bank   Satisfactory       Outstanding  
Herkimer County Trust Co              
HSBC Bank USA              
Hudson River Bank & Trust              
Hudson United Bank              
Hudson Valley Bank              
IBJ Whitehall Bank & Trust Co              
Independence Community Bank              
Industrial Bank of Korea              
Interaudi Bank   Satisfactory          
Interbank of New York              
Israel Discount Bank of NY   Satisfactory     Outstanding    
Jamestown Savings Bank              
JP Morgan Chase Bank              
Korea Exchange Bank              
Lake Shore S&L Association              
LBS Bank - New York              
Liberty Bank of New York              
Liberty Pointe Bank Satisfactory            
Long Island Commercial Bank              
Manufacturers & Traders   Outstanding   Outstanding   Outstanding  
Mashreq Bank, PSC              
Massena S&L Association              
Medina S&L Association   Outstanding          
Metropolitan Commercial Bank             Satisfactory
Mitsubishi UFJ Trust & Bkg USA     Outstanding        
Mizuho Bank USA           Outstanding  
Mizuho Corporate Bank(USA)   Outstanding        
Mizuho Trust & Banking Co(USA)     Satisfactory        
Nara Bank              
Newbank Satisfactory            

New York Commercial Bank

  Satisfactory       Satisfactory  
New York Community Bank     Satisfactory     Outstanding  
North Country Savings Bank   Satisfactory       Outstanding  
NorthEast Community Bank           Outstanding  
North Fork Bank               
Northfield Svg Bank                
Northwest Savings Bank              
NYNB Bank              
Oneida Savings Bank     Outstanding       Satisfactory  
Orange County Trust Co   Outstanding   Satisfactory        
Oswego County Savings Bank              
Park Avenue Bank              
Pathfinder Bank  Satisfactory       Satisfactory    
Pioneer Savings Bank     Outstanding       Outstanding  
Putnam County Savings Bank     Satisfactory     Satisfactory  
Queens County Savings Bank              
Redwood Bank              
Reliance Bank                
Rhinebeck Savings Bank       Satisfactory     Satisfactory  
Ridgewood Savings Bank     Satisfactory       Satisfactory  
Riverside Bank     Outstanding          
Rome Savings Bank                
Rondout Savings Bank       Satisfactory       Satisfactory
Roslyn Savings Bank                
Savoy Bank   Satisfactory          
Sawyer Savings Bank Satisfactory         Satisfactory  
Seneca Falls S/B              
Shinhan Bank America       Satisfactory     Satisfactory
Signature Bank  Satisfactory   Satisfactory       Satisfactory
Sleepy Hollow Bank              
Solvay Bank  Outstanding   Satisfactory     Satisfactory  
State Bank of Chittenango              
State Bank of India   Needs to Improve     Satisfactory    
State Bank of L.I. Satisfactory   Satisfactory        
Steuben Trust Co   Satisfactory       Satisfactory  
Sumitomo Trust & Bkg Co              
The Bank of New York Mellon Satisfactory     Satisfactory   Satisfactory  
The Westchester Bank     Satisfactory        
Tioga State Bank   Satisfactory   Satisfactory      
Tompkins County Trust Co   Outstanding       Outstanding  
Troy Savings Bank              
Ulster Savings Bank   Satisfactory     Satisfactory    
Union State Bank                
United Commercial Bank              
United International Bank         Satisfactory    
United Orient Bank   Satisfactory     Satisfactory    
USA Bank Satisfactory            
US Trust Co              
USNY   Outstanding          
Victory State Bank     Outstanding        
Walden Savings Bank                
Warwick Savings Bank              
Watertown Savings Bank     Satisfactory        
Woori America Bank (Hanvit)   Satisfactory       Satisfactory  
Wyoming County Bank              

2001-2007 Ratings

Updated 07/17/2017


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