CRA Public File Information
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 while providing the public 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).
- CRA Performance Evaluation
- CRA Performance Evaluation Appendices A-F
- CRA Performance Evaluation Appendices G-J
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.
Branch and ATM Information
A list of the bank’s branches, ATM’s, their street addresses, and geographies, including hours of operation.
Opened and Closed Branches and ATMs
Branches and ATMs opened or closed by the bank during the current year and each of the prior two calendar years.
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.
A map of each assessment area showing the boundaries of the area and identifying the geographies contained within the area.
Additional Information Available to the Public
CRA Disclosure Statement
Peoples Bank’s CRA Disclosure Statement for the prior two calendar years.
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.
This 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.
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.