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Community Reinvestment Act Ratings and Performance Evaluation Public Summaries

Banking institutions subject to New York State CRA are assessed once every 24 to 36 months, except institutions with total assets below $250 million and rated "Satisfactory" or "Outstanding" in their most recent CRA examination performed by the Department generally will be examined once every 48 or 60 months, respectively. The Department prepares a written report summarizing the results of each assessment and assigns to each institution a numerical CRA rating based on a 1 to 4 scoring system, representing a performance assessment as follows:

1 = Outstanding record of meeting community credit needs;
2 = Satisfactory record of meeting community credit needs;
3 = Needs to improve record of meeting community credit needs;
4 = Substantial noncompliance in meeting community credit needs.

The following chart identifies the ratings for banking institutions subject to New York State CRA. To view the public summary of an institution's CRA performance evaluation, simply click on the rating for that institution below. For additional information on recent or upcoming exams see our most recent CRA Examination Schedule.



2005 2006 2007 2008 2009 2010 2011 2012
Adirondack Bank   Satisfactory   Satisfactory        
Adirondack Trust Co   Outstanding   Outstanding       Satisfactory
Alden State Bank Satisfactory       Satisfactory      
Allied Irish Bank                
Alma Bank         Satisfactory      
Alpine Capital Bank Satisfactory       Satisfactory      
Amalgamated Bank   Outstanding       Satisfactory    
Amerasia Bank   Satisfactory       Outstanding    
American Community Bank   Outstanding       Outstanding    
Apple Bank for Savings   Satisfactory     Outstanding      
Atlantic Bank of NY                
Atlas S&L Association Satisfactory   Needs to Improve          
Banco Popular N.America Satisfactory   Satisfactory     Satisfactory    
Bank Hapoalim B.M.   Satisfactory     Satisfactory      
Bank Leumi USA   Outstanding     Outstanding      
Bank of Akron     Satisfactory       Satisfactory  
Bank of Baroda   Satisfactory     Satisfactory      
Bank of Castile      Outstanding       Outstanding  
Bank of Cattaraugus    Outstanding       Outstanding    
Bank of Greene County                
Bank of Holland        Outstanding        
Bank of India    Satisfactory     Needs to Improve      
Bank of Millbrook Satisfactory     Satisfactory        
Bank of Richmondville       Satisfactory        
Bank of Smithtown Satisfactory     Satisfactory        
Bank of Tokyo-Mitsubishi Trust Co   Outstanding       Outstanding    
Bank of Utica Satisfactory   Satisfactory     Satisfactory    
Bankers Trust Co                
Berkshire Bank     Satisfactory     Satisfactory    
BPD International Bank   Outstanding   Outstanding        
BSB Bank & Trust Co                
Canisteo S&L Association Satisfactory              
Capital Bank & Trust Co Satisfactory     Outstanding        
Cathay Bank                
Catskill Hudson Bank       Outstanding        
Cattaraugus County Bank     Satisfactory     Satisfactory    
Charter One Commercial Bank                
Checkspring Bank           Outstanding    
Chemung Canal Trust Co Outstanding   Outstanding Outstanding      
Chinatrust Bank (USA)                
Chinese American Bank                
Citibank (NY State)                
Citizens Bank of Cape Vincent     Satisfactory          
Community Capital Bank Outstanding              
Community Mutual S/B Satisfactory              
Country Bank Satisfactory     Outstanding     Satisfactory
Deutsche Bank Trust   Outstanding   Outstanding   Outstanding   Outstanding
Elmira Savings Bank               Satisfactory
Emigrant Savings Bank Satisfactory              
European American Bank                
First American International  Bank Satisfactory     Satisfactory        
First Central Savings Bank     Satisfactory          
First Republic Bank                
First State Bank, Canisteo Satisfactory              
First Tier Bank & Trust Co                
Five Star Bank   Outstanding   Outstanding     Outstanding  
Fuji Bank & Trust Co                
Fulton Savings Bank   Outstanding     Outstanding      
Genesee Regional Bank Satisfactory     Satisfactory        
Global Bank       Satisfactory        
Gold Coast Bank         Outstanding      
Goldman Sachs Bank USA           Outstanding   Outstanding
Gotham Bank of NY     Satisfactory          
Great Eastern Bank                
Greater Buffalo Savings Bank   Satisfactory            
GreenPoint Bank                
Habib American Bank Satisfactory       Satisfactory      
Hamptons State Bank Satisfactory   Satisfactory          
Hanover Community Bank         Satisfactory      
Herkimer County Trust Co                
HSBC Bank USA                
Hudson River Bank & Trust                
Hudson United Bank                
Hudson Valley Bank Satisfactory              
IBJ Whitehall Bank & Trust Co                
Independence Community Bank                
Industrial Bank of Korea                
Interaudi Bank     Satisfactory   Satisfactory      
Interbank of New York                
Israel Discount Bank of NY   Outstanding     Satisfactory     Outstanding
Jamestown Savings Bank                
JP Morgan Chase Bank                
Korea Exchange Bank                
Lake Shore S&L Association                
LBS Bank - New York                
Liberty Bank of New York                
Liberty Pointe Bank       Satisfactory        
Long Island Commercial Bank                
Manufacturers & Traders Outstanding   Outstanding   Outstanding   Outstanding  
Mashreq Bank, PSC                
Massena S&L Association                
Medina S&L Association         Outstanding      
Mitsubishi UFJ Trust & Bkg USA   Outstanding       Outstanding    
Mizuho Corporate Bank(USA) Outstanding   Outstanding   Outstanding      
Mizuho Trust & Banking Co(USA)     Satisfactory     Satisfactory    
Nara Bank Satisfactory              
Newbank       Satisfactory        

New York Commericial Bank

Satisfactory       Satisfactory      
New York Community Bank   Outstanding       Satisfactory    
North Country Savings Bank Satisfactory   Satisfactory   Satisfactory      
North Fork Bank  Outstanding              
Northfield Svg Bank                  
Northwest Savings Bank Satisfactory              
NYNB Bank   Satisfactory            
Oneida Savings Bank     Outstanding     Outstanding      
Orange County Trust Co     Satisfactory   Outstanding   Satisfactory    
Oswego County Savings Bank                
Park Avenue Bank   Satisfactory            
Pathfinder Bank  Satisfactory     Satisfactory       Satisfactory
Pioneer Savings Bank     Outstanding     Outstanding      
Putnam County Savings Bank     Satisfactory     Satisfactory    
Queens County Savings Bank                
Redwood Bank                
Reliance Bank                  
Rhinebeck Savings Bank       Satisfactory     Satisfactory    
Ridgewood Savings Bank     Satisfactory     Satisfactory      
Riverside Bank   Satisfactory       Outstanding      
Rome Savings Bank                  
Rondout Savings Bank       Satisfactory     Satisfactory    
Roslyn Savings Bank                  
Savoy Bank         Satisfactory      
Sawyer Savings Bank       Satisfactory        
Seneca Falls S/B                
Shinhan Bank America     Satisfactory       Satisfactory  
Signature Bank  Satisfactory     Satisfactory   Satisfactory    
Sleepy Hollow Bank   Satisfactory            
Solvay Bank    Satisfactory   Outstanding   Satisfactory    
State Bank of Chittenango                
State Bank of India   Outstanding     Needs to Improve     Satisfactory
State Bank of L.I. Satisfactory     Satisfactory   Satisfactory    
Steuben Trust Co   Satisfactory     Satisfactory      
Sumitomo Trust & Bkg Co                
The Bank of New York Mellon Satisfactory Outstanding   Satisfactory     Satisfactory  
The Westchester Bank           Satisfactory    
Tioga State Bank Satisfactory   Satisfactory   Satisfactory   Satisfactory  
Tompkins County Trust Co   Outstanding     Outstanding      
Troy Savings Bank                
Ulster Savings Bank   Satisfactory     Satisfactory      
Union State Bank                  
United Commerical Bank                
United International Bank     Satisfactory          
United Orient Bank Satisfactory       Satisfactory      
USA Bank       Satisfactory        
US Trust Co                
USNY         Outstanding      
Victory State Bank   Satisfactory       Outstanding    
Walden Savings Bank   Satisfactory              
Warwick Savings Bank                
Watertown Savings Bank     Satisfactory     Satisfactory    
Woori America Bank (Hanvit)   Satisfactory     Satisfactory      
Wyoming County Bank                

2001-2004 Ratings