Federal Reserve Release, H2, Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received

District: 3
Federal Reserve Bank of: Philadelphia

Filings received during the week ending November 20, 2021

Filer

Filing Type

Filing Proposal

End of Comment Period

RIVERBANK FINANCIAL, MHC

* 3A1

Riverbank Financial, MHC, Carthage, New York to convert to a Delaware-chartered mutual bank holding company, and its mid-tier holding company, Riverbank Financial Corporation, Carthage, New York, to convert to a Maryland-chartered stock bank holding company, upon the conversion of Carthage Federal Savings & Loan Association, Carthage, New York, from a federal stock savings and loan association to a national bank.

Newspaper:	12/09/2021
Federal Register:	12/16/2021

Availability of CRA Public Evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Institution / Location	RSSD ID	Exam Date	CRA Public Date	CRA Rating	Exam Method
NONE

CRA Examinations scheduled for First Quarter of 2022 (January 1, 2022 - March 31, 2022) and Second Quarter of 2022 (April 1, 2022 - June 30, 2022)

Institution	Location	Quarter
AMERISERV FNCL BK	JOHNSTOWN, PENNSYLVANIA	First Quarter of 2022
FIRST CITIZENS CMNTY BK	MANSFIELD, PENNSYLVANIA	First Quarter of 2022
NEW TRIPOLI BK	NEW TRIPOLI, PENNSYLVANIA	Second Quarter of 2022

* Subject to the provisions of the Community Reinvestment Act

District: 3 Federal Reserve Bank of: Philadelphia

Filings received during the week ending November 20, 2021

Availability of CRA Public Evaluations

CRA Examinations scheduled for First Quarter of 2022 (January 1, 2022 - March 31, 2022) and Second Quarter of 2022 (April 1, 2022 - June 30, 2022)

District: 3
Federal Reserve Bank of: Philadelphia