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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.

NAME

2001 2002 2003 2004 2005 2006 2007
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   Needs to Improve
Banco Popular N.America   Satisfactory   Outstanding Satisfactory   Satisfactory
Bank Hapoalim B.M. Outstanding   Outstanding     Satisfactory  
Bank Leumi USA   Outstanding   Outstanding   Outstanding  
Bank of Akron   Satisfactory Satisfactory       Satisfactory
Bank of Baroda   Satisfactory   Satisfactory   Satisfactory  
Bank of Castile  Satisfactory   Satisfactory       Outstanding
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   Satisfactory
Bankers Trust Co              
Berkshire Bank Satisfactory   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     Satisfactory
Charter One Commercial Bank              
Checkspring Bank              
Chemung Canal Trust Co Outstanding   Outstanding   Outstanding   Outstanding
Chinatrust Bank (USA)   Satisfactory   Satisfactory      
Chinese American Bank Satisfactory   Satisfactory        
Citibank (NY State)   Outstanding          
Citizens Bank of Cape Vincent   Satisfactory

  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     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     Satisfactory
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   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     Satisfactory
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   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   Outstanding
Mizuho Trust & Banking Co(USA)   Satisfactory  

Outstanding

    Satisfactory
Nara Bank         Satisfactory    
Newbank              

New York Commercial Bank

        Satisfactory    
New York Community Bank   Outstanding   Outstanding   Outstanding  
North Country Savings Bank   Satisfactory     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       Satisfactory
Queens County Savings Bank              
Redwood Bank   Satisfactory   Satisfactory      
Reliance Bank   Satisfactory            
Rhinebeck Savings Bank     Satisfactory   Satisfactory     Satisfactory
Ridgewood Savings Bank     Satisfactory       Satisfactory  
Riverside Bank   Satisfactory   Satisfactory   Satisfactory    
Rome Savings Bank   Satisfactory            
Rondout Savings Bank     Satisfactory   Satisfactory     Satisfactory
Roslyn Savings Bank     Satisfactory          
Savoy Bank              
Sawyer Savings Bank   Satisfactory   Satisfactory      
Seneca Falls S/B       Satisfactory      
Shinhan Bank America   Satisfactory   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   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             Satisfactory
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     Satisfactory
Woori America Bank (Hanvit) Satisfactory   Satisfactory     Satisfactory  
Wyoming County Bank   Outstanding   Outstanding      

Current Ratings

 

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