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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

 

NAME

2001 2002 2003 2004 2005 2006
Adirondack Bank       Satisfactory   Satisfactory
Adirondack Trust Co   Outstanding  

Outstanding

  Outstanding
Alden State Bank Satisfactory   Satisfactory   Satisfactory  
Allied Irish Bank Outstanding   Outstanding      
Alma Bank            
Alpine Capital Bank Satisfactory   Needs to Improve   Satisfactory  
Amalgamated Bank   Outstanding   Outstanding   Outstanding
Amerasia Bank   Satisfactory   Satisfactory   Satisfactory
American Community Bank Satisfactory   Satisfactory     Outstanding
Apple Bank for Savings Satisfactory   Satisfactory     Satisfactory
Atlantic Bank of NY Satisfactory   Satisfactory      
Atlas S&L Association Needs to Improve   Needs to Improve

 

Satisfactory  
Banco Popular N.America   Satisfactory   Outstanding Satisfactory  
Bank Hapoalim B.M. Outstanding   Outstanding     Satisfactory
Bank Leumi USA   Outstanding   Outstanding   Outstanding
Bank of Akron   Satisfactory Satisfactory      
Bank of Baroda   Satisfactory   Satisfactory   Satisfactory
Bank of Castile  Satisfactory   Satisfactory      
Bank of Cattaraugus    Outstanding       Outstanding
Bank of Greene County   Outstanding        
Bank of Holland    Outstanding   Outstanding    
Bank of India    Satisfactory   Satisfactory   Satisfactory
Bank of Millbrook Satisfactory   Satisfactory   Satisfactory  
Bank of Richmondville   Satisfactory   Outstanding    
Bank of Smithtown Satisfactory   Satisfactory   Satisfactory  
Bank of Tokyo-Mitsubishi Trust Co Outstanding   Outstanding     Outstanding
Bank of Utica Satisfactory   Satisfactory   Satisfactory  
Bankers Trust Co            
Berkshire Bank Satisfactory   Satisfactory      
BPD International Bank   Satisfactory       Outstanding
BSB Bank & Trust Co   Satisfactory        
Canisteo S&L Association Satisfactory   Satisfactory   Satisfactory  
Capital Bank & Trust Co Satisfactory   Satisfactory   Satisfactory  
Cathay Bank   Satisfactory   Satisfactory    
Catskill Hudson Bank   Satisfactory   Satisfactory    
Cattaraugus County Bank   Satisfactory   Satisfactory    
Charter One Commercial Bank            
Checkspring Bank            
Chemung Canal Trust Co Outstanding   Outstanding   Outstanding  
Chinatrust Bank (USA)   Satisfactory   Satisfactory    
Chinese American Bank Satisfactory   Satisfactory      
Citibank (NY State)   Outstanding        
Citizens Bank of Cape Vincent   Satisfactory

  Satisfactory    
Community Capital Bank Outstanding   Outstanding   Outstanding  
Community Mutual S/B Satisfactory   Satisfactory   Satisfactory  
Country Bank   Satisfactory     Satisfactory  
Deutsche Bank Trust   Outstanding   Outstanding   Outstanding
Elmira Savings Bank            
Emigrant Savings Bank Satisfactory   Satisfactory   Satisfactory  
European American Bank            
First American International  Bank Satisfactory   Satisfactory   Satisfactory  
First Central Savings Bank   Satisfactory   Satisfactory    
First Republic Bank   Satisfactory   Satisfactory    
First State Bank, Canisteo Satisfactory   Satisfactory   Satisfactory  
First Tier Bank & Trust Co   Outstanding   Outstanding    
Five Star Bank           Outstanding
Fuji Bank & Trust Co Outstanding          
Fulton Savings Bank Outstanding   Outstanding     Outstanding
Genesee Regional Bank   Satisfactory   Outstanding Satisfactory  
Global Bank            
Gold Coast Bank            
Goldman Sachs Bank USA            
Gotham Bank of NY   Satisfactory   Needs to Improve    
Great Eastern Bank   Satisfactory   Satisfactory    
Greater Buffalo Savings Bank Satisfactory   Satisfactory     Satisfactory
GreenPoint Bank   Outstanding        
Habib American Bank Satisfactory   Satisfactory   Satisfactory  
Hamptons State Bank Satisfactory   Satisfactory   Satisfactory  
Hanover Community Bank            
Herkimer County Trust Co Satisfactory          
HSBC Bank USA   Outstanding        
Hudson River Bank & Trust   Satisfactory        
Hudson United Bank   Satisfactory        
Hudson Valley Bank   Satisfactory     Satisfactory  
IBJ Whitehall Bank & Trust Co            
Independence Community Bank   Satisfactory   Outstanding    
Industrial Bank of Korea            
Interaudi Bank   Outstanding   Outstanding    
Interbank of New York   Satisfactory        
Israel Discount Bank of NY   Outstanding   Outstanding   Outstanding
Jamestown Savings Bank Satisfactory   Satisfactory      
JP Morgan Chase Bank Outstanding   Outstanding      
Korea Exchange Bank Satisfactory          
Lake Shore S&L Association   Satisfactory   Satisfactory    
LBS Bank - New York            
Liberty Bank of New York Satisfactory   Satisfactory      
Liberty Pointe Bank            
Long Island Commercial Bank   Satisfactory        
Manufacturers & Traders   Outstanding   Outstanding Outstanding  
Mashreq Bank, PSC   Satisfactory   Satisfactory    
Massena S&L Association Satisfactory          
Medina S&L Association Outstanding   Outstanding      
Mitsubishi UFJ Trust & Bkg USA   Satisfactory       Outstanding
Mizuho Corporate Bank(USA)     Outstanding   Outstanding  
Mizuho Trust & Banking Co(USA)   Satisfactory  

Outstanding

   
Nara Bank         Satisfactory  
Newbank            

New York Commercial Bank

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

Updated 10/07/2017

 

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