Community Reinvestment Act (CRA)

Examination Schedule for 2019

DFS encourages public comment on the performance of banks scheduled for New York State CRA evaluations. You may submit written, signed comments concerning local credit needs and/or the performance of specific banks prior to or during the examination. DFS recommends that you submit comments early to ensure a thorough review. Please direct all comments or questions via email to [email protected] or by mail to:

Brian H. Montgomery
Deputy Superintendent, Consumer Examinations Unit
Financial Frauds & Consumer Protection Division
New York State Department of Financial Services
One State Street, 7th Floor
New York, NY 10004-1511

The schedule of institutions to be examined January 1, 2019 through December 31, 2019 is as follows:


Concurrent with the Federal Deposit Insurance Corporation (FDIC)

Mahopac Bank

January 21

Rhinebeck Savings Bank

January 21

Catskill Hudson Bank

March 4

Fairport Savings Bank

March 4

United Orient Bank

March 25

Signature Bank

April 1

Citizens Bank of Cape Vincent

April 15

First Central Savings Bank

May 13

Interaudi Bank

May 13

Pathfinder Bank

May 13

Gold Coast Bank

June 17

Habib American Bank

July 22

The Westchester Bank

July 22

Watertown Savings Bank

July 29

Emigrant Bank

September 3

North Country Savings Bank

September 9

Bank Leumi USA

October 15

Cross County Savings Bank

October 15

Steuben Trust Company

October 15

Ridgewood Savings Bank

November 25

Woori America Bank (Hanvit)

November 25

Concurrent with Federal Reserve Bank of New York

Adirondack Trust Company

March 11

Goldman Sachs Bank USA

July 8

Chemung Canal Trust Company

October 7


Alma Bank

September 30

Please note that dates are subject to change. This schedule is based on the best information available. If an examination is rescheduled, DFS will communicate that information by providing a revised schedule.