Climate Change Data

Environmental Metrics

ESG Focus Areas

• Community Reinvestment Act (CRA)

Social Achievements

• Originated or renewed 166 community development loans totaling $811.1 million.
• Received consideration for 53 qualified investments totaling $146.2 million and 498 qualifying donations or grants totaling $1.8 million.
• Provided 172 community development services.

Governance Achievements

• No discriminatory or other illegal credit practices identified.

Climate Goals & Targets

Environmental Challenges

• Local businesses continue to have a difficult time hiring and retaining employees.
• Area housing market presents challenges due to a fast turnover of listings and limited supply of affordable housing stock.
• It is difficult for low- and moderate-income borrowers to obtain mortgage loans due to a lack of savings and cash reserves.
• Rising interest rates have caused a decline in small business and home mortgage lending.
• Overall loan demand was described as declining.

Mitigation Strategies

• Offered Open Door Loan Program for affordable housing.
• Participated in various government-guaranteed loan programs.
• Originated a relatively high level of community development loans.
• Made qualified investments and donations to support community development organizations.
• Provided community development services.

Supply Chain Management

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: Community Reinvestment Act (CRA)