Community Reinvestment Act | Adams Community Bank

Community Reinvestment Act
(CRA) Public File

Meet Our CRA Officer

Dawn Lampiasi

AVP, Retail Lending & CRA Officer
NMLS ID | 462117

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— Adams Community Bank NMLS ID #719147 —

At Adams Community Bank, we are committed to supporting and promoting our community, so much so that we have made it one of our core values. Our dedication to meeting the financial needs of every individual in the communities we serve aligns with the Community Reinvestment Act’s (CRA) priorities of providing lending, financial services, and financial investment to those most in need.

We are pleased to have received an ‘Outstanding’ CRA Rating from the FDIC. Below is each component of the Bank’s CRA Public File for your review. Please feel free to print any sections you would like.

CRA POLICY

CRA Policy

PERFORMANCE EVALUATION

Public Disclosure | January 24^th, 2022

Public Disclosure | October 1^st, 2018

PUBLIC COMMENTS

Public Comments | 2023

Public Comments | 2022

BRANCH LOCATIONS

Branch Locations

ATM & ITM Locations

OPENED AND CLOSED BRANCHES

Opened & Closed Branches

SERVICES

List of Services

Personal

Business

Government

FEE SCHEDULE

Fee Schedule

LOAN-TO-DEPOSIT RATIOS

Loan-to-Deposit Ratios

HMDA DISCLOSURES

The Adams Community Bank CRA Disclosure Statements may be obtained on the Federal Financial Institution Examination Council’s website.

HMDA Notice

ASSESSMENT AREA

Assessment Area

Quarterly Maps

2023

2022

ACKNOWLEDGEMENTS

Outstanding CRA Rating (Press Release)

CRA ACTIVITY

Quarterly Zip Code Analysis

2023

2022

Lending

Housing Our Workforce & Equity Builder Program

Grant Information | 2022 & 2023

Housing Our Workforce Program (Flyer)

Home Equity Builder Program (Flyer)

Discount Rates Offered

Community Heroes Mortgage Program (Flyer)

Community Heroes Mortgage Program (Press Release)

Rehab Loan

First Time Home Buyer Seminar

March 26, 2024 (Flyer)

June 15, 2023 (Flyer)

Community

Volunteer Hours

Adams Community Bank connects, participates, and serves our communities through volunteer partnerships with local schools, seats on non-profit boards, and chambers of commerce. Our involvement in rewarding initiatives such as the Holiday Elf Program and Wreaths Across America proves that more is accomplished when we unite and work together.

Education

ACB University

At Adams Community Bank, we aim to foster a culture of financial learning and empowerment by giving our customers the knowledge and skills to navigate the financial world successfully.

ACB University (Web Page)

College Planning Series

November 2, 2023 (Flyer)

October 20, 2022 (Flyer)

March 29, 2022 (Flyer)

Ramsey Education Program

At Adams Community Bank, we believe that every student in the county should graduate from high school knowing basic money principles like saving, budgeting, investing, and managing debt. Unfortunately, many schools lack the funding to provide personal finance education to their students. By sponsoring the Ramsey Solution’s Foundations in Personal Finance curriculum in local high schools throughout the county, ACB provides students the chance to gain life-changing knowledge that enables them to confidently move into the next chapter of their lives. Our investment in students’ lives will positively impact our community for years to come!