The Board might contemplate a bank's Local community improvement loans, Neighborhood improvement investments, and Group improvement solutions provided beyond its facility-dependent assessment parts, as presented On this element.

The Board considers the loans, investments, products and services, and goods of affiliate marketers of a lender that aren't operations subsidiaries, in the financial institution's alternative, topic to the following:

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(B) Except as supplied in § 228.fifty one(e), a sizable financial institution using a merged total of 10 or maybe more facility-based mostly evaluation regions and retail lending evaluation areas in any Condition or multistate MSA, as applicable, or to the institution may not get a ranking of “Satisfactory” or “Excellent” in that Condition or multistate MSA, as applicable, or for your establishment, Unless of course the financial institution gets an Over-all summary of not less than “Very low Satisfactory” in 60 percent or more of the whole amount of its facility-based mostly assessment spots and retail lending evaluation parts in that Condition or multistate MSA, as relevant, or for your institution.

(2) The dispersion of the financial institution's closed-close household mortgage lending, modest company lending, smaller farm lending, or auto lending within a facility-based mostly evaluation place to find out irrespective of whether you will find gaps in lending that aren't defined by functionality context;

The Financial institution Assessment Region Group Progress Funding Metric actions the greenback quantity of the lender's community enhancement loans and Local community advancement investments that benefit or serve a facility-dependent assessment space in comparison with deposits within the financial institution that can be found in the facility-based mostly evaluation location, calculated pursuant to paragraph II.a of appendix B to this part.

Pursuant to § 228.28 and appendix D to this section, the Board incorporates a bank's Retail Lending Exam conclusions into its State or multistate MSA ratings, as relevant, and its institution ranking.

The Board assigns conclusions for your effectiveness of a bank working under a strategic program pursuant to § 228.

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When making use of general performance checks and strategic strategies pursuant to paragraph (a) of this section, and when pinpointing whether to approve a strategic strategy pursuant to § 228.

The State Group Advancement Funding Benchmark measures the greenback quantity of Neighborhood improvement loans and community growth investments that advantage or provide all or Portion of a State for all huge depository establishments in comparison to deposits located in the Point out for all large depository institutions, calculated pursuant to paragraph II.e of appendix B to this part.

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The Lender Point out Community Advancement Financing Metric actions the greenback volume of a bank's Local community advancement loans and community enhancement investments that gain or serve all or Portion of a Point out 228 loan compared to deposits in the financial institution that are located in the Point out, calculated pursuant to paragraph II.d of appendix B to this part.

suggests any firm that controls, is managed by, or is under widespread Manage with another organization. The time period “Regulate” has the this means offered to that time period in twelve U.