The Board may perhaps look at a bank's Group enhancement loans, Group progress investments, and Neighborhood progress expert services offered beyond its facility-dependent evaluation places, as offered With this component.
The Board evaluates The provision and utilization of the financial institution's deposit goods responsive to the wants of small- and moderate-profits people today, family members, or households as follows:
(ii) To obtain possession or Charge of shares or all or considerably all of the property of the lender, to lead to a financial institution to become a subsidiary of a financial institution Keeping enterprise, or to merge or consolidate a bank Keeping firm with some other bank holding enterprise within a transaction that needs acceptance less than segment three of the Bank Holding Organization Act (12 U.S.C. 1842);
The Multistate MSA Community Advancement Financing Benchmark measures the dollar quantity of community improvement loans and Local community growth investments that advantage or provide a multistate MSA for all significant depository establishments in comparison to deposits situated in the multistate MSA for all substantial depository institutions, calculated pursuant to paragraph II.h of appendix B to this section.
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(B) A financial institution apart from a sizable lender may well contain a Neighborhood improvement solutions component and accompanying yearly measurable objectives in its plan.
The Retail Lending Check evaluates a lender's document of helping to meet up with the credit history wants of its overall community throughout the financial institution's origination and purchase of vehicle loans Should the financial institution is usually a the vast majority automobile lender.
The Board's thing to consider from the remote provider facility distribution metrics is informed by the next benchmarks:
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The Board assessments the effects and responsiveness of your financial institution's Neighborhood progress loans and Local community improvement investments that advantage or serve the nationwide place, as offered in § 228.fifteen.
If a armed service lender delineates your complete United States and its territories as its sole facility-primarily based evaluation region pursuant to § 228.sixteen(d), the Board evaluates the bank exclusively with the institution level based on its performance in its sole facility-based mostly evaluation area.
(B) The performance of the bank's methods for delivering retail banking expert services and The provision and responsiveness on the lender's retail banking products, pursuant to § 228.23, as applicable;