Representative Engagements

CRA Parity Analysis

We assisted the bank in developing a Community Reinvestment Act (CRA) parity analysis to identify gaps in mortgage, small business, and small farm lending performance. Parity was established using owner occupied properties for mortgage and the distribution of businesses and farms for small business and small farm lending performance comparison. Distribution analysis identified deficiencies in the bank’s assessment area and at the branch level. The information provided the institution an opportunity to proactively address its HMDA and CRA lending performance.