It is the policy of Town North Bank to abide by all Fair Lending criteria. We are dedicated to full and satisfactory compliance with the Community Reinvestment Act (CRA). Town North Bank will use its best efforts, within the scope of its resources and in a safe and sound manner, to meet the credit needs of its entire community and to provide banking services to meet a variety of financial objectives for consumers and small-business customers.

In furtherance of this policy, management shall maintain a dialogue with all elements of its community for the purpose of understanding their credit needs and creating products and delivery systems to meet those needs while meeting the test of sound, prudent and profitable lending. Rates of interest on these loans will necessarily fluctuate between times of high and low loan demand. Special effort and consideration shall be given to the needs of the small businesses and small farms, and to low-and moderate-income people, particularly in regard to residential real estate credit.

Download our most recent Public Evaluation