Independent Banker - October 2020 - 47
Many community banks invest in low- and moderateincome
neighborhoods to make lasting impacts while
also getting Community Reinvestment Act, or
CRA, credit. This work to aid and rebuild communities
is the direct result of the close ties community banks
develop with the people they serve. Here's how three
community banks are making powerful investments
under the CRA.
By Colleen Morrison / Photo by Kevin Fiscus
T
he civil unrest that has marked
2020 underscores the importance
of making lasting investments in
communities and actively building
trust with consumers.
For many community banks, strategies to
fulfill Community Reinvestment Act (CRA)
requirements include funding community
development and banking low-income areas.
Like other compliance issues, meeting these
conditions factors high on the list of priorities
for community banks.
" We would not be successful if it weren't
for the support of our community, " says Chris
Courtney, president and CEO of $1.4 billionasset
Oak Valley Community Bank in Oakdale,
Calif. " We have to give back not just because it's
the right thing to do, but because we owe it to
the community. "
Here, we look at how three community
banks take issues like housing affordability,
homelessness and poverty head-on by investing
in their communities, collaborating with local
organizations and more. Through this work,
these banks are also achieving CRA excellence.
Oak Valley Community
Bank staff stand in front of
Center for Human Services
in Modesto, Calif., which is
one of the community bank's
nonprofit partners.
Oak Valley Community Bank fights homelessness
For Oak Valley Community Bank, the goal
is to set a standard that exceeds regulatory
expectations around CRA by living the
true spirit of community investing. Oak
independentbanker.org Q 47
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Independent Banker - October 2020
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