Community Reinvestment

Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations.  The FDIC also takes this record into account when deciding on certain applications submitted by us.

 

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided by them; the public section of our most recent CRA Performance Evaluation, prepared by FDIC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our response to those comments. You may review this information today.

At least thirty (30) days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examinations in that quarter.  This list is available from the:

You may send written comments about our performance in helping to meet community credit needs to:

and the FDIC Regional Director.  You may also submit comments electronically through the FDIC's Web site at www.fdic.gov/regulations/cra.  Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC Regional Director. You may also request from the FDIC Regional Director an announcement of our applications covered by the CRA filed with the FDIC.  We are an affiliate of Charter Bancshares, Inc., a bank holding company.  You may request from the Director/Applications Federal Reserve Bank of Dallas P.O. Box 655906, Dallas Texas 75265-5906, an announcement of applications covered by the CRA, filed by the banking holding companies.