Climate Change Data

Environmental Metrics

ESG Focus Areas

• Socially Responsible Investing
• Environmental, Social, and Governance (ESG)
• Community Investing
• Impact Investing
• Green Technology

Climate Goals & Targets

Supply Chain Management

Climate-Related Risks & Opportunities

Environmental Metrics

ESG Focus Areas

• Human Capital Management
• Climate Change
• Information Security and Data Privacy
• Financial Access
• Community Outreach Efforts

Environmental Achievements

• Ongoing process of installing energy efficient branch signage and LED bulbs at select internal and branch locations
• Updating of robust Disaster Recovery Plan, enhancing virtual capabilities, and cross-training staff in order to mitigate the increasing threats associated with climate change

Social Achievements

• Maintaining a Human Capital Strategic Plan that guides us on our journey toward fostering a multicultural, collaborative, and inclusive work environment
• Maintaining a comprehensive Financial Literacy Portal containing educational information on a wide array of topics
• Community outreach efforts supporting charitable causes and community groups

Governance Achievements

• Board independence (with the exception of Mr. McCormick, all currently serving directors are independent)
• Diversity of board skills and experience, as well as gender, ethnicity, and race
• Robust stock ownership guidelines for directors and executive officers
• Clawback policy for executive officer cash and equity incentive compensation covering financial restatement and misconduct

Climate Goals & Targets

Environmental Challenges

• Climate change risks throughout our various geographic regions
• Increasing threats associated with climate change
• Cybersecurity risks

Mitigation Strategies

• Strong controls in place and consistent compliance oversight to ensure all loans in designated flood zones are covered under the appropriate level of flood insurance
• Robust Disaster Recovery Plan, enhanced virtual capabilities, and cross-trained staff
• Expansive information security program, layered system of preventative and detective technologies, controls, and policies
• Annual cybersecurity awareness training for employees

Supply Chain Management

Climate-Related Risks & Opportunities

Physical Risks

• Extreme weather, flooding