Community Reinvestment Act (CRA) Public File

Peoples State Bank is committed to meeting the financial needs of the communities that we serve, including low- and moderate-income geographies, low- and moderate-income families, and small businesses.

The federal government established the Community Reinvestment Act (CRA) in 1977 to encourage banks to meet the credit needs of the communities where they do business, including low- and moderate-income neighborhoods. Banks must also make their CRA files available to the general public through their website and update the files to be current as of April 1 of each year.

The following items are required to be included in the public file:               

Written Comments – All written comments received from the public for the current year and each of the two prior calendar years that specifically relate to the bank’s performance in helping to meet community credit needs and any response to the comments by the bank.

CRA - Public Comments

CRA Performance Evaluation – A Copy of the bank’s most recent CRA Performance Evaluation

FDIC CRA Performance Evaluation

Branch Information – A list of the bank’s branches, their street addresses and census tracts

Locations and Hours

Branches Opened or Closed – A list of branches opened or closed by the bank during the current year and each of the prior two calendar years.

CRA – Branches Opened-Closed

Retail Banking Services – A list of retail banking services generally offered at the bank’s branches including hours of operation, available loan and deposit products, and transaction fees.

CRA – Services

Service Fees

Assessment Areas – A map of each facility-based assessment area showing the boundaries of the area and a list of the census tracts contained in the area.

Facility Based Assessment Area Map

Facility Based Assessment Area Demographics

HMDA Disclosure Statement - Peoples State Bank’s HMDA Disclosure Statement may be obtained on the Consumer Financial Protection Bureau's (Bureau's) Website at

Loan to Deposit Ratio – The bank’s loan-to-deposit ratio for each quarter of the prior calendar year.

CRA – Loan to Deposit Ratio