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CRA Public File

As a community bank committed to providing access to banking services and loans to all members of our assessment area, we place particular emphasis on our compliance with the Fair Lending Statutes and the Community Reinvestment Act (CRA). We believe that doing so is basic to good business practice and to the Bank’s future vitality.

The objective of this policy is to communicate our commitment to the requirements of the Community Reinvestment Act and to detail the proactive CRA Program in place at Flint Community Bank. By providing our CRA public information online, Flint Community 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.

Branch Information

A list of the bank’s branches, street addresses, and geographies.

Assessment Areas

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

Loan-to-Deposit Ratio

Home Mortgage Disclosure (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 beginning with calendar years 2017 forward. HMDA data for many other financial institutions are also available at this website.

Retail Banking Services

nce Evaluation.