Community Reinvestment Act (CRA) Examination Schedule for 2025


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: 

Samantha R. Darche
Deputy Superintendent, Consumer Examinations Unit
Consumer Protection and Financial Enforcement Division
New York State Department of Financial Services
One State Street, 7th Floor
New York, New York 10004-1511

The schedule of institutions to be examined January 1, 2025 through December 31, 2025 is as follows:

Concurrent with the Federal Deposit Insurance Corporation (FDIC)

United Orient BankJanuary 21
Flushing BankFebruary 24
Pathfinder BankFebruary 24
Cross Country Savings BankMarch 31
Interaudi BankMarch 31
First Central Savings BankMay 5
Piermont BankMay 5
Habib American BankJuly 14
Watertown Savings BankJuly 14
Ulster Savings BankOctober 14
Genesee Regional BankOctober 14

Concurrent with the Federal Reserve Bank of New York

Five Star BankApril 28
Adirondack Trust CompanyJune 16
Popular BankSeptember 15
Metropolitan Commercial BankNovember 3
Mizuho Bank USADecember 8

Independent

Berkshire BankAugust 25

Please note that dates are subject to change.