Community Reinvestment Act Public File
CRA Public File
In accordance with the Community Reinvestment Act (CRA) Regulation (Regulation BB, 12 CFR 25), the Bank of Orrick is required to maintain and, upon request, make available for public inspection a complete Community Reinvestment Act Public File. By providing the CRA Public File online, Banner is better able to keep this data up to date. The information provided is current as of April 1 of each year. If you’re interested in viewing our CRA Public File, please click on the documents listed below.
Public Comments received for the current year and the prior two calendar years as of April 1, 2024. The Bank of Orrick may, at its discretion, periodically update this to include public comments received after the annual April 1 update.
List of branches opened or closed in:
2021
2022
2023
January 1 through April 1 of 2024
Assessment Areas
The following assessment areas represent the communities the Bank of Orrick serves. Maps and Census tract information can be accessed by clicking the links below.
CRA Disclosure Statements
The Bank or Orrick CRA Disclosure Statements are available for review at the Federal Financial Institution Examination Council (FFIEC) website. To view the Disclosure Statement, follow the link below, select the year you wish to review and enter either the Respondent ID or Institution Name.
Institution: The Bank of Orrick
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website (www.consumerfinance.gov/hmda) or the Federal Financial Institutions Examination Council website (https://ffiec.cfpb.gov/data-publication/disclosure-reports).
CRA Public File Requests
The Bank of Orrick can provide hard copies of the CRA Public File. Please note, we may charge a fee to cover copying and mailing expenses. Requests can be sent to compliance@bankoforrick.com.