Climate Change Data

Environmental Metrics

ESG Focus Areas

• Community Reinvestment Act (CRA) Performance

Social Achievements

• Implemented Advantage Credit program, assisting 53 applicants with credit score improvement.
• Implemented Rapid Rescore program, benefiting five applicants.
• Partnered with GreenPath Financial Wellness, assisting one applicant.
• Community development service campaign resulting in increased financial literacy education.

Governance Achievements

• No evidence of discriminatory or other illegal credit practices identified.

Climate Goals & Targets

Environmental Challenges

• Limited lending opportunities in some assessment areas.
• Moderate banking competition in some areas.
• Lack of reliable internet access and transportation in rural areas.
• Need for financial literacy education in some areas.
• Shortage of affordable housing stock in some areas.
• Low labor force participation rates and limited workforce education in some areas.
• High level of poverty and low labor participation rate in some areas.

Mitigation Strategies

• Use of innovative and/or flexible lending practices (CDFI, Rapid Response Program grant, Emergency Capital Investment Program, Equitable Recovery Program, BancLeasing, Farm Service Agency, SBA and PPP loans, FHA, VA, and USDA loans, Fannie Mae HomeReady loans, FIHOP, AHFA, MHC programs).
• Partnerships with local organizations to address community development needs.
• Financial literacy training initiatives.
• Community development lending and investments in affordable housing.

Supply Chain Management

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: Federal Financial Institutions Examination Council’s (FFIEC’s) Interagency Large Institution CRA Examination Procedures