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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.

2004 - 2010 Ratings | 2011 - present Ratings



2011 2012 2013 2014 2015 2016 2017
Adirondack Bank   Satisfactory       Satisfactory  
Adirondack Trust Co   Satisfactory       Satisfactory  
Alden State Bank       Satisfactory      
Allied Irish Bank              
Alma Bank   Satisfactory     Satisfactory    
Alpine Capital Bank       Satisfactory      
Amalgamated Bank       Satisfactory      
Amerasia Bank         Satisfactory    
American Community Bank              
Apple Bank for Savings     Satisfactory     Satisfactory  
Atlantic Bank of NY              
Atlas S&L Association              
Banco Popular N.America   Satisfactory   Satisfactory      
Bank Hapoalim B.M.     Satisfactory        
Bank Leumi USA   Outstanding     Outstanding    
Bank of Akron Satisfactory     Satisfactory      
Bank of Baroda     Satisfactory     Satisfactory  
Bank of Castile  Outstanding            
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     Needs to Improve  
BPD International Bank              
BSB Bank & Trust Co              
Canisteo S&L Association              
Capital Bank & Trust Co              
Cathay Bank              
Catskill Hudson Bank   Satisfactory     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   Satisfactory          
Community Capital Bank              
Community Mutual S/B              
Country Bank Satisfactory     Satisfactory      
Cross County Savings Bank     Satisfactory     Satisfactory  
Deutsche Bank Trust   Outstanding   Outstanding      
Dime Savings Bank of Williamsburg     Satisfactory        
Elmira Savings Bank   Satisfactory       Satisfactory  
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 Outstanding            
Flushing Bank       Satisfactory      
Fuji Bank & Trust Co              
Fulton Savings Bank     Satisfactory     Satisfactory  
Genesee Regional Bank     Satisfactory       Satisfactory
Global Bank     Outstanding        
Gold Coast Bank         Satisfactory    
Goldman Sachs Bank USA   Outstanding   Outstanding      
Gotham Bank of NY              
Great Eastern Bank              
Greater Buffalo Savings Bank              
Greater Hudson Bank           Satisfactory  
GreenPoint Bank              
Habib American Bank   Satisfactory       Satisfactory  
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       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   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     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     Satisfactory      
Signature Bank        Satisfactory      
Sleepy Hollow Bank              
Solvay Bank      Satisfactory        
State Bank of Chittenango              
State Bank of India   Satisfactory   Satisfactory      
State Bank of L.I.              
Steuben Trust Co     Satisfactory     Satisfactory  
Sumitomo Trust & Bkg Co              
The Bank of New York Mellon Satisfactory   Satisfactory        
The Westchester Bank           Satisfactory  
Tioga State Bank Satisfactory     Satisfactory      
Tompkins County Trust Co     Outstanding     Outstanding  
Troy Savings Bank              
Ulster Savings Bank   Satisfactory       Satisfactory  
Union State Bank                
United Commercial Bank              
United International Bank   Satisfactory          
United Orient Bank   Satisfactory          
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 2/07/2019

Department of Financial Services


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