Community Reinvestment Act - Public File

Introduction

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 as well as rural middle- income distressed and underserved communities, consistent with safe and sound banking operations. Since its founding in 1973, River City Bank has made special efforts to reach out and inform the community of the wide variety of services we offer. In response to special needs within the community, River City Bank has developed innovative programs which enhance the diverse array of services we offer.

River City Bank was built by serving the financial needs of individuals and our community. We have never forgotten this. Branch officers are required to know their local community, participate in community activities, and be sensitive to local needs. Our branches encourage inquiries from individuals and community groups about the availability of credit and other banking services and welcome suggestions on how to improve our services. We consider compliance with the Community Reinvestment Act an extension of our historical commitment to meeting the financial needs of our community.

In recognition of our obligations under the Community Reinvestment Act, River City Bank focuses on the financial needs of the entire community, including low- and moderate-income areas, as well as rural middle- income distressed and underserved communities, in a positive, ongoing manner consistent with the safe and sound operation of the bank. One of our primary objectives is to review and measure the Bank’s success in complying with CRA.

The service we provide to our communities is as important as the service we give each individual customer. At River City Bank, we believe in working hand-in-hand with the community to significantly improve the quality of life for all who live there. We hope you find the information in the CRA Public File valuable and we encourage your comments.

Stephen Fleming
President & CEO
River City Bank