CRA Public File
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CRA STATEMENT Artisans’ Bank maintains a regulatory obligation to seek, understand, and actively help meet the credit and financial services needs of the communities the Bank serves, including the low- and moderate-income and minority-majority geographic sectors of our communities. The Board of Directors, Officers, and Associates of Artisans’ Bank remain deeply committed to the spirit of the Community Reinvestment Act (CRA) and demonstrate this commitment by promoting a roster of innovative and flexible consumer loan and consumer deposit products; by providing leadership and outreach to many non-profit agencies that serve these segments of our community; and by investing in assets that help support our community’s credit and financial service needs. |
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CRA Assessment Area
Artisans’ Bank serves all three counties within the State of Delaware: New Castle County, which is within Metropolitan Area (MA) 48864; Kent County, which is within Metropolitan Area (MA) 20100 and Sussex County, which is within Metropolitan Area (MA) 41540. This CRA delineation matches our Reasonable Expected Market Area (REMA) and is based on the location of the Bank's full-service branches and where we open accounts online. These communities are where we predominately make our loans and accept customer deposits.CRA Evaluation
The FDIC performs regular evaluations of the Bank’s performance under the Community Reinvestment Act. Their most recent examination report is dated August 15, 2022, and the Bank was rated as Satisfactory. An institution in this group has a satisfactory record of helping to meet the credit needs of its assessment area, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
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The links to sections of Artisans’ Bank’s CRA Public File are shown below. The CRA Public File will be updated by April 1 each year. Comments or feedback regarding the file or the Bank’s performance under the CRA, should be directed to Joel Schiller, SVP CRO, Compliance & CRA Officer, Artisans’ Bank, 2961 Centerville Road, Wilmington, Delaware 19808. Mr. Schiller may also be reached at jschiller@artisansbank.com or 302-884-6566.
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| Outside of File | Intro |
This section contains the Table of Contents, a Cover Memo, the Bank’s Main Office CRA Notice, and the Log of CRA Public File Access.
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Notices and Disclosures
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Tab 1 |
This section contains the Bank’s CRA Public File Notice, its CRA Assessment Area Definition Statement, our Branch & ATM locations, our statement of Branches Opened & Closed, our directory of Services, our Loan to Deposit Ratios, any Public Comment Letters, and a Disclosure of Covered Agreements.
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| FDIC’s CRA Evaluation Public Disclosure Report | Tab 2 |
This report is dated August 15, 2022, and covers the period December 3, 2019, through August 15, 2022.
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| Artisans’ Bank Self-Assessment Report | Tab 3 |
The Bank prepares an annual self-assessment of its CRA performance. This report covers calendar year 2023.
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| HMDA and CRA Data | Tab 4 |
Data required to be reported under the Home Mortgage Disclosure Act and the Community Reinvestment Act for calendar years 2021. 2022, and 2023 are presented here.
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| Products and Services | Tab 5 |
The Bank’s loan and deposit products and banking services designed to meet the spirit of the Community Reinvestment Act are presented here. |
| Locations and Maps | Tab 6 |
This section contains the listing of Artisans’ Bank branches and maps showing our branch locations in New Castle, Kent, and Sussex Counties of Delaware. Additionally, the most recent FFIEC Income and Demographic census tract listings are presented here.
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