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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.

2001 - 2006 Ratings | 2007 - 2012 Ratings | 2013 - present Ratings



2013 2014 2015 2016
Adirondack Bank       Satisfactory
Adirondack Trust Co       Satisfactory
Alden State Bank   Satisfactory    
Allied Irish Bank        
Alma Bank     Satisfactory  
Alpine Capital Bank   Satisfactory    
Amalgamated Bank   Satisfactory    
Amerasia Bank     Satisfactory  
American Community Bank        
Apple Bank for Savings Satisfactory      
Atlantic Bank of NY        
Atlas S&L Association        
Banco Popular N.America   Satisfactory    
Bank Hapoalim B.M. Satisfactory      
Bank Leumi USA     Outstanding  
Bank of Akron   Satisfactory    
Bank of Baroda Satisfactory     Satisfactory
Bank of Castile         
Bank of Cattaraugus         
Bank of Greene County        
Bank of Holland    Satisfactory    
Bank of India  Needs to Improve      
Bank of Millbrook   Satisfactory    
Bank of Richmondville   Satisfactory    
Bank of Smithtown        
Bank of Tokyo-Mitsubishi Trust Co        
Bank of Utica Satisfactory      
Bankers Trust Co        
Berkshire Bank Satisfactory      
BPD International Bank        
BSB Bank & Trust Co        
Canisteo S&L Association        
Capital Bank & Trust Co        
Cathay Bank        
Catskill Hudson Bank     Satisfactory  
Cattaraugus County Bank        
Charter One Commercial Bank        
Checkspring Bank        
Chemung Canal Trust Co   Outstanding   Satisfactory
Chinatrust Bank (USA)        
Chinese American Bank        
Citibank (NY State)        
Citizens Bank of Cape Vincent        
Community Capital Bank        
Community Mutual S/B        
Country Bank   Satisfactory    
Cross County Savings Bank Satisfactory      
Deutsche Bank Trust   Outstanding    
Dime Savings Bank of Williamsburg Satisfactory      
Elmira Savings Bank        
Emigrant Savings Bank        
Empire State Bank Satisfactory      
European American Bank        
Fairport Savings Bank   Satisfactory    
First American International  Bank Satisfactory      
First Central Savings Bank Satisfactory      
First Republic Bank        
First State Bank, Canisteo        
First Tier Bank & Trust Co        
Five Star Bank        
Flushing Bank   Satisfactory    
Fuji Bank & Trust Co        
Fulton Savings Bank Satisfactory      
Genesee Regional Bank Satisfactory      
Global Bank Outstanding      
Gold Coast Bank     Satisfactory  
Goldman Sachs Bank USA   Outstanding    
Gotham Bank of NY        
Great Eastern Bank        
Greater Buffalo Savings Bank        
GreenPoint Bank        
Habib American Bank        
Hamptons State Bank        
Hanover Community Bank Outstanding      
Herkimer County Trust Co        
HSBC Bank USA        
Hudson River Bank & Trust        
Hudson United Bank        
Hudson Valley Bank        
IBJ Whitehall Bank & Trust Co        
Independence Community Bank        
Industrial Bank of Korea        
Interaudi Bank   Satisfactory    
Interbank of New York        
Israel Discount Bank of NY       Outstanding
Jamestown Savings Bank        
Jeff Bank     Satisfactory  
JP Morgan Chase Bank        
Korea Exchange Bank        
Lake Shore S&L Association        
LBS Bank - New York        
Liberty Bank of New York        
Liberty Pointe Bank        
Long Island Commercial Bank        
Mahopac Bank     Satisfactory  
Manufacturers & Traders Outstanding    
Mashreq Bank, PSC        
Massena S&L Association        
Medina S&L Association       Satisfactory
Metropolitan Commercial Bank   Satisfactory    
Mitsubishi UFJ Trust & Bkg USA        
Mizuho Bank USA Outstanding     Outstanding
Mizuho Corporate Bank(USA)      
Mizuho Trust & Banking Co(USA)        
Nara Bank        
Newbank   Satisfactory    

New York Commercial Bank

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

Updated 5/10/2018

Department of Financial Services


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