Community Reinvestment Act (CRA) Public File Information
At Peoples Bank, we strive to positively impact our local communities. We are committed to meeting the financial needs of these communities, including all low and moderate income and minority areas within our footprint. Peoples Bank is pleased to provide information for public inspection under the Community Reinvestment Act (CRA). By providing this information online, Peoples Bank can keep it current with convenient access.
Public Information Available for Inspection
In compliance with CRA requirements, 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).
All written comments received from the public for the current year and each of the prior two calendar years relating specifically to the banks performance in helping to meet community credit needs and response to the comments by the bank.
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.
Peoples Bank CRA Disclosure Statements are available for review at the Federal Financial Institution Examination Council (FFIEC) website. To view the Disclosure Statement, follow the link below, select the year you wish to review and enter either the Respondent ID or Institution Name.
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website (www.consumerfinance.gov/hmda) or the Federal Financial Institutions Examination Council website (https://ffiec.cfpb.gov/data-publication/disclosure-reports.). Peoples Bank’s Legal Entity Identifier (LEI) is I70W3N0Z6KOX8FYIH023.
