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Community Reinvestment Act (CRA) Public File Information

CRA Public File 

As a community bank committed to providing access to banking services and loans to all members of our assessment area, we place particular emphasis on our compliance with the Fair Lending Statutes and the Community Reinvestment Act (CRA). We believe that doing so is basic to good business practice and to the Bank’s future vitality.

The objective of this policy is to communicate our commitment to the requirements of the Community Reinvestment Act and to detail the proactive CRA Program in place at Hometown Bank. By providing our CRA public information online, Hometown Bank is better able to keep the information current while providing the public with convenient access.

CRA Performance Evaluation

A copy of the bank’s most recent CRA Performance Evaluation.

CRA Disclosure Statements

Branch Information

A list of the bank’s branches, street addresses, and geographies, including hours of operation.

Opened and Closed Branches

Branch openings, closures, and moves for the prior 2 years through April 1st of the current year.

Product Guide and Services

A full list of personal and small business services and available loan and deposit products can be found at the following link.

Fee Schedules

Fee schedules for retail and commercial banking products.

Assessment Areas

Maps of each assessment area showing the boundaries and income of the area and identifying the geographies contained within the area. 

Loan-to-Deposit Ratio

Public 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.

Home Mortgage Disclosure (HMDA) Notice

Effective January 1, 2018, the Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending are available online for review.  The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.

These data are available online at the Consumer Financial Protection Bureau’s website at beginning with calendar years 2017 forward. HMDA data for many other financial institutions are also available at this website.

CRA Public File Request

If you would like to receive a hard copy of this file, please contact us at (a fee may be charged for each file requested, to cover the expense of copying and mailing).

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