The Community Reinvestment Act "CRA", passed by Congress in 1977, encourages financial institutions to help meet their communities' needs - through safe and sound lending practices and by providing retail banking and community development services.

An amendment to the Community Reinvestment Act in 1990 requires that each bank's CRA rating be made public. Accordingly, banks and thrifts must maintain a public CRA file that contains the public section of their most recent CRA Performance Review, a list of services and branches, written comments from the public, and certain other information.

In addition, banks must post a notice in their lobbies that describes the purpose of the Community Reinvestment Act. This notice also explains that the public has a right to review the bank's CRA file and to make written comments about the bank's CRA performance. Also, the notice provides the name of the federal regulator of the bank and states whether the bank is owned by a holding company.

If you have any questions or would like copies of Colonial's Public File please contact Heather Guidry​, VP, Fair Lending Manager and CRA Officer​

The following document and attachments comprise the updated CRA Public File for Colonial Savings, F.A. for the year 2019.

Bank Profile & List of Branch Locations


List of Branches Opened and Closed​ ​


List of Services at Branches​


CRA Performance Evaluation​


Map of the Assessment Area​


CRA Disclosure Statement​


Loan-to-Deposit Ratio​


Public Comments & Letters of Appreciation ​

  1. American Red Cross
  2. MBA Opens Doors Foundation
  3. MBA Opens Doors Foundation
  4. Optimist Club of Fort Worth
  5. United Way of Tarrant County
  6. Hendrick Scholarship Foundation
  7. Boys & Girls Clubs of Greater Tarrant County
  8. Boys & Girls Clubs of Greater Tarrant County
  9. Center for Transforming Lives​
  10. Samaritan House
  11. New Hope Education, ​Inc
  12. The Women's Center
  13. United Way of Albany County
  14. Samaritan House
  15. Optimist Club of Fort Worth
  16. Boy Scouts
  17. CASA
  18. Center for Transforming Lives
  19. Housing Opportunities of FW
  20. Ryan Family YMCA
  21. African Youth Harvest Foundation
  22. Center for Transforming Lives
  23. Christmas in Action
  24. Cleburne Education Foundation
  25. JA Chisholm Trail
  26. The Ladder Alliance
  27. The Women's Center
  28. Trinity Habitat For Humanity
  29. Southern Dallas Progress' March 30, 2021 Comment Letter
  30. Colonial Savings, F.A.'s March 30, 2021 Response
  31. Boy Scouts of America
  32. CASA
  33. Christmas in Action
  34. Cleburne Education Foundation
  35. The Center for Transforming Lives-1
  36. The Center for Transforming Lives-2
  37. The Center for Transforming Lives-3
  38. Trinity Habitat for Humanity
  39. Housing Opportunities of Fort Worth
  40. Junior Achievement
  41. Ryan Family YMCA
  42. Safe Haven
  43. The Ladder Alliance
  44. YWLA
  45. Southern Dallas Progress' May 10, 2021 Comment Letter
  46. Colonial Savings, F.A.'s May 10, 2021 Response
  47. Message From Center for Transforming Lives
  48. Frisco Family Services Thank You Letter
  49. MBA Open Doors Thank You Letter
  50. JA Chisholm Trail Thank You Letter
  51. Stripling Middle School Thank You Letter
  52. Frisco Family Services Thank You Letter
  53. Housing Opportunitites of FW Thank You Letter
  54. Ryan Family YMCA Thank You Letter
  55. DRC Solutions Thank You Letter
  56. Cleburne Education Foundation Thank You Letter



Donations (with photos) and listing of Agencies given Grant Awards

  1. List of FWISD Schools Free or Reduced Lunch Program 2016
  2. Fort Worth Samaritan House
  3. Donation to Housing Opportunities of Fort Worth
  4. Center for Transforming Lives Donation
  5. Salvation Army & Optimist Club of Fort Worth Donation
  6. One Safe Place & MBA Opens Doors Donations
  7. Back to School Supply Drive Donations
  8. Colonial Donates Back to School Supplies
  9. SafeHaven Donation
  10. Tarrant Area Food Bank Donation
  11. Junior Achievement of the Chisholm Trail
  12. Salvation Army and The Center for Transforming Lives
  13. United Way Donations
  14. The Boys & Girls Club and Optimist Club
  15. Joe's Run and Samaritan House - Community Storehouse
  16. Colonial Donations 2018
  17. Women's Center of Tarrant County Donation



Photos of Community Service Activities


​​HMDA Disclosure Statements