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Community Reinvestment Act (CRA) Public File Information.

At Peoples Bank, making an impact in our local communities is a big part of what makes Peoples Bank different. We are committed to meeting the financial needs of the communities that we serve, including all low and moderate income and minority areas within those communities. Peoples Bank is pleased to provide information for public inspection under the Community Reinvestment Act (CRA). By providing our CRA public information online, Peoples Bank is better able to keep the information current while providing the public with convenient access.

Public Information Available for Inspection

In compliance with the requirements of the Community Reinvestment Act (CRA), the following information must be maintained in the public file, current as of April 1 of each year and may be updated periodically.

CRA Performance Evaluation

A copy of the bank’s most recent CRA Performance Evaluation (the full evaluation is contained in the three documents below).

Written Comments

All written comments received from the public for the current year and each of the prior two calendar years that specifically relate to the banks performance in helping to meet community credit needs and response to the comments by the bank.

Written Comments

Branch and ATM Information

A list of the bank’s branches, ATM’s, their street addresses and geographies, including hours of operation.

Branch and ATM Information

Opened and Closed Branches

Branches opened or closed by the bank during the current year and each of the prior two calendar years.

Opened and Closed Branches

List of Products, Services, and Fees

A list of services (loan and deposit products, and transaction fees) generally offered at the bank’s branches and descriptions of material differences in the availability or cost of services at particular branches, if any.

List of Products, Services, and Fee Schedules

Assessment Areas

A map of each assessment area showing the boundaries of the area and identifying the geographies contained within the area.

Assessment Area Listing, Maps, and Geographies

Additional Information Available to the Public

CRA Disclosure Statement

Peoples Bank’s CRA Disclosure Statement for the prior two calendar years.

2019 CRA Disclosure Statement

2018 CRA Disclosure Statement

 

HMDA Notice

Effective January 1, 2018, the Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending are available online for review.  The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.

These data is available online at the Consumer Financial Protection Bureau’s website at http://www.consumerfinance.gov/hmda beginning with calendar years 2017 forward. HMDA data for many other financial institutions are also available at this website.

HMDA Notice

Public Notice

CRA Notice

Any Other Information the Bank Chooses

None at this time.

Need Assistance?  Please visit your local Peoples Bank branch for questions or to receive a hard copy of the banks CRA Public File.

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