This website contains information that's required to be made available for public inspection under the Community Reinvestment Act (CRA). We provide website access so you may review this information at your convenience and produce hard copies of only the documents that you may need.
Under the CRA, the following information must be maintained in a public file and be current as of April 1 of each year:
- All written comments received from the public for the current year and each of the prior two calendar years that specifically relate to the banks performance in helping to meet community credit needs and response to the comments by the bank.
- A copy of First National Bank's most recent CRA Public Evaluations.
- Assessment Area maps
- A list of branches, street addresses, geographies, services, and hours of operation.
- A list of loan and deposit products, and schedule of fees generally offered at the bank’s branches.
Additional Information Available to the Public
First National Bank’s Loan to Deposit Ratio
First National Bank’s HMDA Statement
The HMDA data about our residential mortgage lending is 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.
HMDA data for many other financial institutions are also available online.
For more information, visit the Consumer Financial Protection Bureau's website: (www.consumerfinance.gov/hmda).