Community Reinvestment Act Ratings and Summaries 2013 through 2022 2013-2021 Rating and Summaries | 2006 - 2012 Ratings and Summaries NAME 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Adirondack Bank Satisfactory Satisfactory Adirondack Trust Co Satisfactory Satisfactory Satisfactory Alden State Bank Satisfactory Satisfactory Alma Bank Satisfactory Satisfactory Satisfactory Alpine Capital Bank Satisfactory Satisfactory Satisfactory Amalgamated Bank Satisfactory Satisfactory Satisfactory Amerasia Bank Satisfactory Satisfactory American Community Bank Satisfactory Apple Bank for Savings Satisfactory Satisfactory Satisfactory Bank Hapoalim B.M. Satisfactory Satisfactory Satisfactory Bank Leumi USA Outstanding Satisfactory Bank of Baroda Satisfactory Needs to improve Satisfactory Bank of Castile Satisfactory Bank of Cattaraugus Outstanding Bank of Holland Satisfactory Satisfactory Bank of India Needs to Improve Needs to Improve Satisfactory Bank of Millbrook Satisfactory Satisfactory Bank of Richmondville Satisfactory Satisfactory Bank of Utica Satisfactory Satisfactory Satisfactory Berkshire Bank Satisfactory Needs to improve Satisfactory BNB Bank Satisfactory Capital Bank & Trust Co Catskill Hudson Bank Satisfactory Satisfactory Satisfactory Cattaraugus County Bank Satisfactory Satisfactory Checkspring Bank Chemung Canal Trust Co Outstanding Satisfactory Satisfactory Citizens Bank of Cape Vincent Satisfactory Country Bank Satisfactory Satisfactory Cross County Savings Bank Satisfactory Satisfactory Satisfactory Satisfactory Deutsche Bank Trust Co. Americas Outstanding Outstanding Outstanding Dime Community Bank Satisfactory Satisfactory Satisfactory Elmira Savings Bank Satisfactory Satisfactory Emigrant Bank Satisfactory Empire State Bank Satisfactory Satisfactory First Central Savings Bank Satisfactory Satisfactory Satisfactory Five Star Bank Satisfactory Satisfactory Flushing Bank Satisfactory Outstanding Outstanding Fulton Savings Bank Satisfactory Satisfactory Satisfactory Genesee Regional Bank Satisfactory Satisfactory Satisfactory Global Bank Outstanding Outstanding Gold Coast Bank Satisfactory Goldman Sachs Bank USA Outstanding Outstanding Outstanding Gouverneur Island S& L Association Satisfactory Habib American Bank Satisfactory Satisfactory Satisfactory Hanover Community Bank Outstanding Satisfactory Interaudi Bank Satisfactory Satisfactory Satisfactory Israel Discount Bank of NY Outstanding Outstanding Jeff Bank Satisfactory Satisfactory Satisfactory Mahopac Bank Satisfactory Manufacturers & Traders Outstanding Outstanding Metropolitan Commercial Bank Satisfactory Satisfactory Mizuho Bank USA Outstanding Outstanding Outstanding Outstanding Mizuho Corporate Bank(USA) Mizuho Trust & Banking Co(USA) Newbank Satisfactory Satisfactory New York Community Bank Outstanding Outstanding North Country Savings Bank Outstanding Satisfactory Satisfactory NorthEast Community Bank Outstanding Satisfactory Outstanding Orange Bank & Trust Company (formerly Orange County Trust Co.) Satisfactory Satisfactory Pathfinder Bank Satisfactory Satisfactory Satisfactory PCSB Bank (formerly Putnam County Savings Bank) Satisfactory Satisfactory Satisfactory Piermont Bank Satisfactory Pioneer Bank (formerly Pioneer Savings Bank) Outstanding Satisfactory Satisfactory Popular Bank (formerly Banco Popular N. America) Satisfactory Satisfactory Rhinebeck Savings Bank Satisfactory Satisfactory Ridgewood Savings Bank Satisfactory Satisfactory Satisfactory Rondout Savings Bank Satisfactory Satisfactory Satisfactory Sawyer Savings Bank Satisfactory Satisfactory Satisfactory Shinhan Bank America Satisfactory Satisfactory Satisfactory Signature Bank Satisfactory Satisfactory Solvay Bank Satisfactory Satisfactory Spring Bank Outstanding State Bank of India Satisfactory Satisfactory Satisfactory The Bank of New York Mellon Satisfactory Satisfactory Satisfactory The Westchester Bank Satisfactory Satisfactory Tioga State Bank Satisfactory Satisfactory Tompkins Bank of Castile Satisfactory Tompkins County Trust Co Outstanding Outstanding Satisfactory Tompkins Mahopac Bank (formerly Mahopac Bank) Satisfactory Satisfactory Ulster Savings Bank Satisfactory Satisfactory United Orient Bank Satisfactory Victory State Bank Outstanding Satisfactory Watertown Savings Bank Satisfactory Satisfactory Satisfactory Woori America Bank (Hanvit) Satisfactory Satisfactory Satisfactory