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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
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      
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      
Genesee Regional Bank     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 11/29/2018

Department of Financial Services


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