The list below covers evaluation ratings that the FDIC assigned to institutions in April 2006. The CRA is a 1977 law intended to encourage insured banks and thrifts to meet local credit needs, including those of low- and moderate-income neighborhoods, consistent with safe and sound operations. As part of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), Congress mandated the public disclosure of an evaluation and rating for each bank or thrift that undergoes a CRA examination on or after July 1, 1990.

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A consolidated list of all state nonmember banks whose evaluations have been made publicly available since July 1, 1990, including the rating for each bank, can be obtained from the FDIC's Public Information Center via the Internet at fdic.gov.

Ratings Definitions:
O is Outstanding
S is Satisfactory
NI is Needs to Improve
SN is Substantial Non-compliance

Atlanta Region (AL, FL, GA, NC, SC, VA, WV)
Citizens Bank and Trust S
East Coast Community Bank S
Community Bank & Trust S
PeoplesSouth Bank S
Freedom Bank of Georgia S
Community Bank of Georgia S
Northwest Bank & Trust S
MVB Bank, Inc S

Chicago Region (IL, IN, KY, MI, OH, WI)
The Gerber State Bank S
Farmers & Merchants Bank of Hutsonville S
Peoples Bank SB S
Greenville Community S
Main Street Bank S
Belmont Savings Bank S

Dallas Region (AR, CO, LA, MS,NM, OK, TN, TX)
Calhoun County Bank S
The Pueblo Bank and Trust Company O
Synergy Bank S
Covenant Bank S
Farmers & Merchants Bank S
American Security Bank and Trust Company S
The Bank and Trust, s.s.b. S
Security State Bank S
Enterprise Bank S
1st Choice Bank S


Kansas City Region (IA, KS, MN, MO, ND, NE, SD)
Iowa State Savings Bank S
Iowa Trust & Savings Bank S
The Gorham State Bank S
The Columbian Bank and Trust Company S
First Farmers & Merchants State Bank S
Rochester Bank NI
Boundary Waters Bank S
Pinehurst Bank S
BankWest, Inc. NI

New York Region (CT, DE, DC, MA, ME, MD, NH, NJ, NY, PA, PR, RI, VI, VT)
Barclays Bank Delaware S
Lowell Co-operative Bank S
Northmark Bank S
Cape Ann Savings Bank O
Centrix Bank & Trust S
Two River Community Bank S
Rhinebeck Savings Bank S
Shinhan Bank America S
Pennsylvania Business S
Stonebridge Bank S
Gateway Bank of Pennsylvania S

San Francisco Region (AK, AZ, CA, GU, HI, ID, MT, NV, OR, UT, WA, WY)
Wright Express Financial Services Corporation S
First Independent Bank S
Heritage Bank S
Westsound Bank S

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