Community Reinvestment Act (CRA)

The Community Reinvestment Act (CRA), enacted in 1977, requires the Federal Reserve and other federal banking regulators to encourage financial institutions to help meet the credit needs of the communities in which they do business, including low- and moderate-income (LMI) neighborhoods.

Under the CRA, the following information must be maintained in a public file, current as of April 1^st of each year. MidCountry Bank may, at its discretion, periodically update this information throughout the year.

You may review and print hard copies of the documents below as needed. If you would like to request a paper or digital copy of the information in the public file, please contact us. Please note, we may charge a fee for copying and mailing expenses.

• All written comments received from the public for the current year and each of the prior two calendar years that specifically relate to the bank’s performance in helping to meet community credit needs, and any responses to the comments by the bank.
  
  
• A copy of the public section of the bank’s most recent CRA Performance Evaluation.
  
  
• List of branches opened and closed by the bank during the current year and each of the prior two calendar years.
  
  
• Products & Services
  • Business, Personal, Insurance
  • Schedule of Fees and Service Charges
  • For additional information, please visit a branch or direct any questions to your nearest MidCountry Bank location.
    
    
• MidCountry Bank’s facility-based assessment areas (FBAAs) that represent the communities we serve.
  • Map of FBAAs
  • List of Census Tracts contained within the FBAAs
    
    
• Loan to Deposit Ratio for each quarter of the prior calendar year.

Any comments or questions about this portion of the MidCountry Bank website, or about MidCountry Bank CRA performance, may be addressed to:

Email: customercarecenter at midcountrybank dot com

Physical Mail:
MidCountry Bank
Attn: CRA Committee
7825 Washington Ave South, Suite 900
Bloomington, MN 55439