Community Reinvestment Act Public File

Community Reinvestment Act (CRA)

Public File Information

At Mount Vernon Bank & Trust Company we strive to positively impact our local communities. We are committed to meeting the financial needs of these communities, including all low and moderate income and minority areas within our footprint. We are pleased to provide information for public inspection under the Community Reinvestment Act (CRA). By providing this information online, Mount Vernon Bank & Trust Company can keep it current with convenient access.

Public Information Available for Inspection

In compliance with CRA requirements, the following information must be maintained in the public file, current as of April 1 of each year, and may be updated periodically.

CRA Performance Evaluation

A copy of the bank’s most recent CRA Performance Evaluation can be found by clicking here

Written Comments

All written comments received from the public for the current year and each of the prior two calendar years relating specifically to the bank’s performance in helping to meet community credit needs and response to the comments by the bank.  None at this time

Branch and ATM Information

A list of the bank’s branches, ATM’s, their street addresses, and geographies, including hours of operation.  This can be found by clicking here

Opened and Closed Branches and ATMs

No branches or ATMs were opened or closed by the bank during the current year and each of the prior two calendar years.

List of Products, Services, and Fees

These can be found by clicking here

Assessment Areas

A map of the bank's assessment area can be found by clicking here

Home Mortgage Disclosure Act (HMDA) Notice

The HMDA data about our residential mortgage lending are available online for review. The data show 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 Web site (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this Web site.

Any Other Information the Bank Chooses

None at this time.