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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.

2001 - 2006 Ratings | 2007 - 2012 Ratings | 2013 - present Ratings



2013 2014 2015 2016
Adirondack Bank        
Adirondack Trust Co        
Alden State Bank        
Allied Irish Bank        
Alma Bank        
Alpine Capital Bank        
Amalgamated Bank   Satisfactory    
Amerasia Bank        
American Community Bank        
Apple Bank for Savings Satisfactory      
Atlantic Bank of NY        
Atlas S&L Association        
Banco Popular N.America        
Bank Hapoalim B.M. Satisfactory      
Bank Leumi USA        
Bank of Akron   Satisfactory    
Bank of Baroda Satisfactory      
Bank of Castile         
Bank of Cattaraugus         
Bank of Greene County        
Bank of Holland         
Bank of India  Needs to Improve      
Bank of Millbrook        
Bank of Richmondville        
Bank of Smithtown        
Bank of Tokyo-Mitsubishi Trust Co        
Bank of Utica Satisfactory      
Bankers Trust Co        
Berkshire Bank Satisfactory      
BPD International Bank        
BSB Bank & Trust Co        
Canisteo S&L Association        
Capital Bank & Trust Co        
Cathay Bank        
Catskill Hudson Bank        
Cattaraugus County Bank        
Charter One Commercial Bank        
Checkspring Bank        
Chemung Canal Trust Co   Outstanding    
Chinatrust Bank (USA)        
Chinese American Bank        
Citibank (NY State)        
Citizens Bank of Cape Vincent        
Community Capital Bank        
Community Mutual S/B        
Country Bank   Satisfactory    
Cross County Savings Bank Satisfactory      
Deutsche Bank Trust   Outstanding    
Dime Savings Bank of Williamsburg Satisfactory      
Elmira Savings Bank        
Emigrant Savings Bank        
Empire State Bank Satisfactory      
European American Bank        
Fairport Savings Bank   Satisfactory    
First American International  Bank Satisfactory      
First Central Savings Bank Satisfactory      
First Republic Bank        
First State Bank, Canisteo        
First Tier Bank & Trust Co        
Five Star Bank        
Fuji Bank & Trust Co        
Fulton Savings Bank Satisfactory      
Genesee Regional Bank Satisfactory      
Global Bank Outstanding      
Gold Coast Bank        
Goldman Sachs Bank USA   Outstanding    
Gotham Bank of NY        
Great Eastern Bank        
Greater Buffalo Savings Bank        
GreenPoint Bank        
Habib American Bank        
Hamptons State Bank        
Hanover Community Bank 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        
Interbank of New York        
Israel Discount Bank of NY        
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        
Long Island Commercial Bank        
Manufacturers & Traders Outstanding      
Mashreq Bank, PSC        
Massena S&L Association        
Medina S&L Association        
Metropolitan Commercial Bank   Satisfactory    
Mitsubishi UFJ Trust & Bkg USA        
Mizuho Bank USA Outstanding      
Mizuho Corporate Bank(USA)      
Mizuho Trust & Banking Co(USA)        
Nara Bank        

New York Commercial Bank

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

Updated 10/06/2017


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