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. 

    CRA Performance Evaluation 2023

  • 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. 

    Services and Hours

  • 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. 

    Assessment Areas & Census Tracts

  • 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. 

    HMDA 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. 

    Branch Changes

  • CRA Public Comments

    Public comments received by the bank regarding Availa Bank's performance in meeting community credit needs. 

    See Public Comments

  • 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. 

    FFIEC CRA Site