Community Reinvestment Act Public File

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 Caroline Cranz, CRA Officer.

The following document and attachments comprise the updated CRA Public File for Colonial Savings, F.A. for the year 2024.

Branch Information & Services

Colonial Savings F.A. - Bank Profile and Listing of Branch Locations

List of Branches Opened and Closed

CRA Performance Evaluation

Colonial Savings F.A. - CRA Performance Evaluation - 2022

Map of the Assessment Area

Colonial Savings AA Map

Loan-to-Deposit Ratio

Loan-to-Deposit Ratio

Public Comments & Letters of Appreciation

HMDA Disclosure Statements

Home Mortgage Disclosure Act Notice

​​​​​​​Community Reinvestment Act Public File

Branch Information & Services

List of Branches Opened and Closed​ ​

CRA Performance Evaluation​

Map of the Assessment Area​

Loan-to-Deposit Ratio​

Public Comments & Letters of Appreciation ​

​​HMDA Disclosure Statements

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