2013 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
 
Adirondack Bank
November 4, 2013
August 11, 2014
Satisfactory
PDF
34 pages / 10.6 mb
 
Adirondack Trust Company
April 29, 2013
January 13, 2014
Satisfactory
PDF
23 pages / 6.1 mb
 
Amboy Bank
April 8, 2013
October 3, 2013
Satisfactory
PDF
23 pages / 7.58 mb
 
Banco Popular de Puerto Rico
January 22, 2013
October 8, 2013
Outstanding
PDF
82 pages / 24.4 mb
 
Banco Popular North America
July 15, 2013
April 14, 2014
Satisfactory
PDF
94 pages / 29 mb
 
BNY Mellon
September 30, 2013
May 17, 2017
Satisfactory
PDF
19 pages / 13.4 mb
 
Elmira Savings Bank
April 8, 2013
October 2, 2013
Satisfactory
PDF
44 pages / 482 kb
 
Five Star Bank
September 30, 2013
April 17, 2018
Needs to Improve
PDF
60 pages / 1.51 mb
*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.
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