Community Reinvestment Act (CRA)

Public File Information

Martha’s Vineyard Bank is committed to providing access to banking services and loans to all members of our assessment area in compliance with the Fair Lending Statutes and the Community Reinvestment Act (CRA).

The objective of this policy is to communicate our commitment to the requirements of the Community Reinvestment Act and to detail the proactive CRA Program at Martha’s Vineyard Bank. By providing our CRA public information online, Martha’s Vineyard Bank is better able to keep the information current while providing convenient access to the public.

Public Information Available for Inspection In compliance with the requirements of the Community Reinvestment Act (CRA), the following information must be maintained in the public file, current as of April 1 of each year and may be updated periodically.

CRA Performance Evaluation

The Bank’s most recent CRA Performance Evaluation.

Branch Information

List of the Bank’s branches, street addresses, hours of operation and geographies.

Fee Schedules

Personal and business banking fees.

Assessment Areas

Maps of each assessment area showing the boundaries and income of the area and identifying the geographies contained within the area.

Loan-to-Deposit Ratio

Home Mortgage Disclosure Act (HMDA) Notice

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. These data are available online at the Consumer Financial Protection Bureau’s Web site ( HMDA data for many other financial institutions are also available at this Web site.