Climate Change Data

Environmental Metrics

ESG Focus Areas

• Community Reinvestment Act (CRA)

Social Achievements

• Provided financial literacy training to LMI individuals and small business owners; employees held board or committee positions and/or provided technical assistance to qualifying organizations.
• Made significant level of qualified community development investments, grants, and donations. Investments supported various affordable housing and economic development programs.

Climate Goals & Targets

Environmental Challenges

• Strong competition within assessment areas for deposits and all types of loans.
• Minor presence in the small business loan market relative to the largest depository and lending institutions in several assessment areas.
• Relatively high housing costs compared to income levels for low-income families impacting their ability to qualify for home mortgage loans.

Mitigation Strategies

• Expanded presence through acquisitions of organizations within various marketplaces.
• Maintained Loan Production Offices (LPOs) located in LMI census tracts, fully accessible to all populations, including LMI, within the assessment area.
• Originated FHA and VA loans, considered flexible lending products providing LMI borrowers opportunities to finance homes.

Supply Chain Management

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: Community Reinvestment Act (CRA)