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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
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      
Amerasia Bank     Outstanding      
American Community Bank     Outstanding      
Apple Bank for Savings   Outstanding        
Atlantic Bank of NY            
Atlas S&L Association            
Banco Popular N.America     Satisfactory   Satisfactory  
Bank Hapoalim B.M.   Satisfactory        
Bank Leumi USA   Outstanding     Outstanding  
Bank of Akron       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        
Bank of Millbrook Satisfactory          
Bank of Richmondville Satisfactory          
Bank of Smithtown Satisfactory          
Bank of Tokyo-Mitsubishi Trust Co     Outstanding      
Bank of Utica     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        
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
Deutsche Bank Trust Outstanding   Outstanding   Outstanding  
Elmira Savings Bank         Satisfactory  
Emigrant Savings Bank            
European American Bank            
First American International  Bank Satisfactory          
First Central Savings Bank            
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        
Genesee Regional Bank Satisfactory          
Global Bank Satisfactory         Outstanding
Gold Coast Bank   Outstanding        
Goldman Sachs Bank USA     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        
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    
Mashreq Bank, PSC            
Massena S&L Association            
Medina S&L Association   Outstanding        
Mitsubishi UFJ Trust & Bkg USA     Outstanding      
Mizuho Corporate Bank(USA)   Outstanding        
Mizuho Trust & Banking Co(USA)     Satisfactory      
Nara Bank            
Newbank Satisfactory          

New York Commercial Bank

New York Community Bank     Satisfactory      
North Country Savings Bank   Satisfactory        
North Fork Bank             
Northfield Svg Bank              
Northwest Savings Bank            
NYNB Bank            
Oneida Savings Bank     Outstanding        
Orange County Trust Co   Outstanding   Satisfactory      
Oswego County Savings Bank            
Park Avenue Bank            
Pathfinder Bank  Satisfactory       Satisfactory  
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       Satisfactory
Riverside Bank     Outstanding        
Rome Savings Bank              
Rondout Savings Bank       Satisfactory      
Roslyn Savings Bank              
Savoy Bank   Satisfactory        
Sawyer Savings Bank Satisfactory          
Seneca Falls S/B            
Shinhan Bank America       Satisfactory    
Signature Bank  Satisfactory   Satisfactory      
Sleepy Hollow Bank            
Solvay Bank  Outstanding   Satisfactory      
State Bank of Chittenango            
State Bank of India   Needs to Improve     Satisfactory  
State Bank of L.I. Satisfactory   Satisfactory      
Steuben Trust Co   Satisfactory        
Sumitomo Trust & Bkg Co            
The Bank of New York Mellon Satisfactory     Satisfactory    
The Westchester Bank     Satisfactory      
Tioga State Bank   Satisfactory   Satisfactory    
Tompkins County Trust Co   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        
Wyoming County Bank            

2001-2007 Ratings


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