Default Image

Community Reinvestment Act (CRA) Public File Information

First Independent Bank is dedicated to making a beneficial impact in the communities we serve. Our focus encompasses not just meeting, but exceeding the financial necessities of all, especially those in low and low-moderate income and minority sectors within the regions we serve. We take pride in adhering to the Community Reinvestment Act (CRA) and are happy to offer easy online access to this information, ensuring it's both current and readily available for public review.

Public Information Available For Inspection

Please be advised that in order to meet the regulations set forth by the Community Reinvestment Act (CRA), certain documents must be kept up-to-date in our public records. These files should accurately reflect the current status as of April 1st of every year and are subject to changes at various intervals as needed. 

CRA Performance Evaluation 

Below is the latest Community Reinvestment Act (CRA) Performance Evaluation for the bank. The complete evaluation is detailed in the following document attached below.

Written Comments 

View written comments received from the public for the current year, and each of the two prior calendar years, that specifically relate to the bank's performance in helping to meet community credit needs, and response to the comments by the bank.

Branch And ATM Information

Below is a list of our bank branches and ATMs, complete with street addresses and geographic locations.

Opened / Closed Branches And ATMs

Branches and ATMs opened or closed by the bank.

List Of Products, Services, And Fees

A list of services (loan and deposit products and transaction fees) generally offered at the bank’s branches and descriptions of material differences in the availability or cost of services at particular branches, if any. 

List of Products, Services & Fee Schedules

Assessment Areas

A map of each assessment area showing the boundaries of the area and identifying the geographies contained within the area.

Assessment Area Listing, Maps & Geographies

Loan-To-Deposit Ratio

Our Loan-to-Deposit ratio for each quarter of the prior calendar year.