Community Reinvestment Act (CRA) Public File Information
As Your Only Community Bank, Charlevoix State Bank is dedicated to providing loans and services to all members of Our Communities. This publication is to communicate our commitment to the requirements of the Community Reinvestment Act and to provide current information.
Public Information Available for Inspection
In compliance with the requirements of the Community Reinvestment Act (CRA), the following information must be maintained in the public file, current as of April 1 of each year and may be updated periodically.
CRA Performance Evaluation
A copy of the bank's most recent CRA Performance Evaluation.
Branch Information
A list of the bank's branches, street addresses, and geographies, including hours of operation.
Fee Schedules
Fee Schedules for retail and commercial banking products.
Assessment Areas
Maps of each assessment area showing the boundaries and income of the area and identifying the geographies contained within the area.
Loan-to-Deposit Ratio
Written Comments
All written comments received from the public for the current year and each of the prior two calendar years relating specifically to the banks performance in helping meet community credit needs and response to the comments of the bank.
For questions or to receive a hard copy of the banks CRA Public File, please visit your local Charlevoix State Bank branch.