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Community Reinvestment Act (CRA) Public File Information
We at First American Bank and Trust are committed to meeting the financial needs of the communities we serve. We pride ourselves on positively impacting our local community. The Bank is please to provide information for public inspection under the Community Reinvestment Act (CRA). Below you will find each of the components of the Bank’s CRA Public File for convenient access. This information may be updated periodically as new information is available.
Written Comments and Responses
View written comments received from the public for the current
year and each of the prior two calendar years relating
specifically to the Bank’s performance in helping to meet
community credit needs and response to the comments by the Bank.
(PDF) WRITTEN COMMENTS
CRA Performance Evaluation
View the Public Disclosure of the Bank' most recent CRA
Performance Evaluation by the Federal Deposit Insurance
Corporation Division of Depositor and Consumer Protection.
(PDF) CRA PERFORMANCE EVALUATION
Branch Information
A list of the Bank’s branches and offices, their location by
street address, contact numbers, hours of operation, maps and
directions.
Locations
A list of the Bank’s branches and offices, and their census
tracts.
(PDF) CRA BRANCH LISTING
A list of the Bank’s branch actions including opening, closing and
moves during the year and each of the prior two calendar years.
(PDF) BRANCH OPENING CLOSING
Products and Services
The Bank offers both personal and business deposit, loan and other
services throughout our branches. We also have services available
through online, phone and mobile banking. Complete details of
these products and services can be found in each page on our
website. You'll find information such as transaction fees and
descriptions of material differences in the availability or cost
of services, if any.
(PDF) SERVICE CHARGES AND FEES
Assessment Area
The assessment areas delineated by the Bank represent the
communities we serve. A map and individual census tract list are
available for review.
(PDF) ASSESSMENT AREA
(PDF) ASSESSMENT AREA MAPS
HMDA Disclosures
Home Mortgage Disclosure Act Notice. The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's Web site (www.consumerfinance.gov/hmda).
Loan-to-Deposit Ratio
The Bank's Loan-to-Deposit ratio for each quarter of the prior
calendar year is available for review.
(PDF) LTD RATIO
First American Bank and Trust is able to provide printed copies of these documents. Please note we may charge a reasonable fee to cover printing and mailing expenses. To request printed copies of documents, please send a request in writing to the attention of the CRA Officer at the email or mail address at the bottom of this page. In addition, you can submit any comments or questions about this information or the Bank’s performance to the same.
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