1996 Community Reinvestment Act Exams
Bank evaluations are based on lending, investment and service tests; for most banks, the lending test is weighted most heavily in determining the overall rating.
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Bank
Exam Date
Public Date*
Rating
Report
 
Manufacturers and Traders
Trust Company One M&T Plaza
Buffalo, NY 14240
Sep 9, 1996
Mar 5, 1998
Outstanding
PDF
100 pages / 397 kb
 
Marine Midland Bank
One Marine Midland Center
Buffalo, NY 14203
Nov 4, 1996
Jun 24, 1997
Satisfactory
PDF
80 pages / 352 kb
 
Bank of Bermuda (New York) Ltd.
350 Park Avenue
New York, NY 10022
Dec 9, 1996
Jun 23, 1997
Outstanding
PDF
8 pages / 26 kb
 
Fleet Bank
One Peter D. Kiernan Plaza
Albany, N.Y. 12207
Apr 15, 1996
May 1, 1997
Outstanding
PDF
89 pages / 265 kb
 
Orange County Trust Company
75 North Street
Middletown, N.Y. 10940
Dec 2, 1996
May 1, 1997
Outstanding
OFFSITE PDF
10 pages / 34 kb
 
The Adirondack Trust Company
473 Broadway
Saratoga Springs, N.Y. 12866
Oct 21, 1996
Mar 27, 1997
Outstanding
PDF
21 pages / 83 kb
 
Community Bank of Bergen County
125 West Pleasant Avenue
Maywood, NJ 07607
Oct 15, 1996
Feb 25, 1997
Satisfactory
PDF
11 pages / 48 kb
 
IBJ Schroder Bank and Trust Company
One State Street
New York, NY 10004
Sep 16, 1996
Feb 20, 1997
Oustanding
PDF
11 pages / 41 kb
 
Summit Bank
301 Carnegie Center
Princeton, NJ 08543-2066
Jun 17, 1996
Jan 20, 1997
Satisfactory
 
Morgan Guaranty Trust Company
60 Wall Street
New York, NY 10260
Jun 24, 2996
Jan 2, 1997
Satisfactory
PDF
15 pages / 44 kb
 
Bank of Smithtown
One East Main Street
Smithtown, NY 11787
Aug 5, 1996
Dec 26, 1996
Satisfactory
PDF
10 pages / 40 kb
 
Bankers Trust Company
130 Liberty Street
New York, NY 10006
May 28, 1996
Dec 12, 1996
Outstanding
PDF
14 pages / 59 kb
 
Peapack-Gladstone Bank
158 Route 206 North
Gladstone, NJ 07934
Jul 8, 1996
Nov 29, 1996
Satisfactory
PDF
20 pages / 89 kb
 
Gotham Bank of New York
1412 Broadway
New York, New York 10018
Jul 29, 1996
Nov 26, 1996
Satisfactory
PDF
7 pages / 37 kb
 
The Merchants Bank of NY
275 Madison Avenue
New York, New York 10016
Jun 4, 1996
Nov 25, 1996
Satisfactory
PDF
20 pages / 73 kb
 
European American Bank
One EAB Plaza
Uniondale, New York 11555
Apr 15, 1996
Oct 16, 1996
Satisfactory
PDF
32 pages / 126 kb
 
Alden State Bank
13216 Broadway
Alden, New York 14004
May 28, 1996
Oct 3, 1996
Outstanding
PDF
16 pages / 70 kb
 
United States Trust Company of New York 114 West 47th Street
New York, New York 10036
May 20, 1996
Oct 2, 1996
Outstanding
PDF
10 pages / 30 kb
 
The Bank of New York (New Jersey)
385 Rifle Camp Road West
Paterson, NJ 07424
Jan 16, 1996
Sep 17, 1996
Satisfactory
PDF
50 pages / 195 kb
 
Arab American Bank
40 East 52nd Street
New York, New York 10022
May 6, 1996
Sep 11, 1996
Outstanding
PDF
7 pages / 25 kb
 
The Bank of New York (New York)
One Wall Street
New York, New York 10015
Jan 16, 1996
Aug 15, 1996
Satisfactory
PDF
56pages / 217 kb
 
First State Bank
3 Main Street
Canisteo, NY 14823
Apr 1, 1996
Aug 5, 1996
Satisfactory
PDF
9 pages / 37 kb
 
Tioga State Bank
1 North Main Street
Spencer, NY 14883
Mar 11, 1996
Aug 5, 1996
Satisfactory
PDF
16 pages / 61 kb
 
Bank of Avoca
18 North Main Street
Avoca, NY 14809
Feb 5, 1996
Jun 13, 1996
Outstanding
 
Bank of Cattaraugus
24 Main Street
Cattaraugus, NY 14719
Feb 5, 1996
Jun 13, 1996
Outstanding
PDF
7 pages / 27 kb
*A copy of the public section of the most recent CRA performance evaluation must be placed in a bank's public file within 30 business days after its receipt from the Board of Governors of the Federal Reserve System.