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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



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

New York Commercial Bank

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

Updated 10/07/2017

Department of Financial Services


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