A restricted function financial institution's Local community growth financing efficiency in its facility-primarily based evaluation spots within the Condition or multistate MSA; and
(two) A retail lending evaluation region may not lengthen further than a Condition boundary Unless of course the retail lending assessment space consists of counties inside of a multistate MSA.
indicates the effectiveness of volunteer expert services by a bank's or its affiliate's board associates or staff members, carried out on behalf from the lender, in which All those solutions:
(i) The quantity and percentage of originations and purposes of the massive bank's home mortgage loan loans by borrower or applicant cash flow stage, race, and ethnicity;
) A listing of the geographic areas served because of the Group progress loan or Local community improvement investment, specifying any county, Condition, multistate MSA, or nationwide region served; and
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(B) The effectiveness of the lender's techniques for providing retail banking companies and The supply and responsiveness on the lender's retail banking products, pursuant to § 228.23, as relevant;
(three) A small business loan or small farm loan is found in the census tract exactly where the leading company facility or farm is located or wherever the check here borrower will in any other case apply the loan proceeds, as indicated with the borrower.
In assigning Retail Lending Examination conclusions to get a Point out pursuant to § 228.22(h), the Board isn't going to look at a bank's actions to generally be in the State if People routines occur in a retail lending evaluation region consisting of counties in multiple Point out.
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(B) Why it is necessary and suitable to amend its prepare during the absence of a cloth change in situations.
) The quantity of checking and discounts accounts opened digitally and through other supply techniques by census tract revenue amount for each calendar 12 months; and
Notwithstanding the necessities of the section, a navy financial institution whose shoppers are not Found inside of an outlined geographic area might delineate the whole U.s. and its territories as its sole facility-based mostly assessment region.
indicates a staffed banking facility, no matter whether shared or unshared, the Board permitted or approved for a department and that is open to, and accepts deposits from, the general public.