Community Reinvestment Act Public File

The Community Reinvestment Act (CRA) of 1977 encourages banks to help meet the credit needs of the communities in which they do business, including low- and moderate-income neighborhoods.

The information below is current as of April 1 of each year. Certain documents may not be compatible with screen readers due to technical limitations. If this impacts you , and you are interested in the documents, please reach out, as we are happy to assist you.

If there are Public Comments for the current year and the prior two calendar years, they will be linked here. CIBM Bank may, at its discretion, periodically update this to include public comments received after the annual April 1 update.

CRA Performance Evaluation

Loan to Deposit Ratios

Branch Locations and Hours of Operations

List of branches opened and closed

Assessment Areas

The following assessment areas represent the communities CIBM Bank serves. Maps and Census tract information can be accessed by clicking the links below.

Complete Assessment Area Census Tract List

To view maps for a specific Metropolitan Statistical Area (MSA,) please click the link corresponding to the state in which the MSA is located.

Products & Services

Personal Products & Services including Banking and Lending
Business Products & Services including Banking and Lending

Questions regarding transaction fees or cost of services should be directed to your nearest CIBM Bank location. Please find our schedule of fees here

CRA Disclosure Statements

CIBM Bank CRA Disclosure Statements are available for review at the Federal Financial Institution Examination Council (FFIEC) website. To view the Disclosure Statement, follow the link below, select the year you wish to review and enter either the Respondent ID or Institution Name.

CIBM Bank reported data
Institution: CIBM Bank
Respondent ID: 0000011729

Home Mortgage Disclosure Act Notice (HDMA):

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. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau or the Federal Financial Institutions Examination Council

CRA Public File Requests

CIBM Bank can provide hard copies of the CRA Public File upon request. Please note, we may charge a fee to cover copying and mailing expenses.