Community Reinvestment Act
What is the Community Reinvestment Act?
The Community Reinvestment Act (CRA) encourages banks to help meet the credit needs of communities in which they operate, including low and moderate income neighborhoods. This ensures federally insured banks meet the credit needs of the communities they serve and are consistent with safe and sound banking practices.
Availa Bank is pleased to provide information for the public under the CRA. If you have any questions on the documents found below, please reach out to an Availa Bank team member at the location nearest you for assistance. Under the CRA, the public file must be maintained and current as of April 1 of each year.
-
CRA Performance Evaluation
Review Availa Bank's most recent CRA Performance Evaluation (PE). This is an evaluation of the bank's record of meeting the credit needs of its communities, including low and moderate income neighborhoods or individuals.
Click the button below to learn more.
-
List of Services & Hours of Operation
Availa Bank offers a wide variety of personal and business banking products and services for you.
Click the button below to learn more.
-
Branch Locations
Availa Bank is a community bank with over 150 years of experience. The bank currently has 14 branch locations across Iowa and 1 loan production office in Omaha, Nebraska.
Click the button below to learn more.
-
Assessment Area Maps & Census Tracts
An assessment area is the geographic area that can reasonably be served by each of our branch locations. Click the button below to learn more about ours.
-
Home Mortgage Disclosure Act Notice
The Home Mortgage Disclosure Act (HDMA) data is currently available online for review. This shows the geogrpahic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.
Click the button below to read the full notice.
-
Branch Changes
Change is a huge part of the banking industry, and Availa Bank is no stranger to change over the past 150+ years. To learn more about our most recent branch changes, please click the link below.
-
CRA Public Comments
Public comments received by the bank regarding Availa Bank's performance in meeting community credit needs.
-
CRA Disclosure Statement
The Availa Bank CRA Disclosure Statement may be obtained from the Federal Financial Institution Examination Council's website. Click the button below to learn more.
