FFIEC: CRA (Federal Financial Institutions Examination Council: Community Reinvestment Act)

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Details Number, average amount, and percent of small business and small farm loans by amount, borrower revenue, and leading lenders
Topics Small business lending, small farm lending
Source CRA (Community Reinvestment Act)
Years Available 2004, 2005, 2006, 2007, 2008, 2009, 2010, 2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022
Geographies census tract, county
Public Edition or Subscriber-only Public Edition
Download Available yes
For more information http://www.ffiec.gov/CRA/
Last updated on PolicyMap June 2024

Description:

The Community Reinvestment Act (CRA), which was enacted by Congress in 1977, is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods, consistent with safe and sound banking operations. CRA requires that each insured depository institution’s record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution’s application for deposit facilities, including mergers and acquisitions. CRA examinations are conducted by the federal agencies that are responsible for supervising depository institutions: the Board of Governors of the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of the Currency (OCC), and the Office of Thrift Supervision (OTS). PolicyMap extracted the database of lending activity from the Peer Small Business Data. PolicyMap aggregated the number of loans by amount of loan and by borrower revenue. PolicyMap also aggregated the number, average amount and percent of loans by top small business lenders and by top small farm lenders in order to construct categories that would be useful to policymakers and descriptive of neighborhoods and markets.

The 2004-2011 data is at the 2000 Census boundaries. The 2012-2019 data is at the 2010 boundaries. The 2022 data and beyond is at the 2020 boundaries. For percent changes, PolicyMap created a bridge table across 2000, 2010, and 2020 geographies in order to calculate previous years of data at proper Census boundaries. These previous years of data calculations are used for comparison to the current year of data.

Available Data Layers & Indicators
Indicator Name Geographies Measurement Type Time Frame Coverage
Average amount of small farm loans County, Census Tract Average dollars Annually from 2004 to 2023
Percent of small farm loans made to farms with revenues of more than one million dollars County, Census Tract Percent Annually from 2004 to 2023
Percent of small business loans made to businesses with revenues of one million dollars or less County, Census Tract Percent Annually from 2004 to 2023
Percent of small farm loans of less than $100,000 County, Census Tract Percent Annually from 2004 to 2023
Percent of small farm loans of greater than $250,000 County, Census Tract Percent Annually from 2004 to 2023
Percent of small business loans of less than $100,000 County, Census Tract Percent Annually from 2004 to 2023
Percent of small farm loans made to farms with revenues of one million dollars or less County, Census Tract Percent Annually from 2004 to 2023
Average amount of small business loans County, Census Tract Average dollars Annually from 2004 to 2023
Percent of small farm loans of greater than $100,000 and less than or equal to $250,000 County, Census Tract Percent Annually from 2004 to 2023
Percent of small business loans of greater than $250,000 County, Census Tract Percent Annually from 2004 to 2023
Percent of small business loans of greater than $100,000 and less than or equal to $250,000 County, Census Tract Percent Annually from 2004 to 2023
Percent of small business loans made to businesses with revenues of more than one million dollars County, Census Tract Percent Annually from 2004 to 2023
Average amount of small business loans made by AMERICAN EXPRESS NATIONAL BANK County, Census Tract Average dollars 2018, 2019, 2020, 2021, 2022, 2023
Average amount of small business loans made by JPMORGAN CHASE BANK, NA County, Census Tract Average dollars Annually from 2004 to 2023
Average amount of small business loans made by BANK OF AMERICA NA County, Census Tract Average dollars Annually from 2004 to 2023
Average amount of small business loans made by CAPITAL ONE, N.A County, Census Tract Average dollars Annually from 2004 to 2023
Average amount of small business loans made by CITIBANK, N.A County, Census Tract Average dollars Annually from 2004 to 2023
Average amount of small business loans made by US BANK NA County, Census Tract Average dollars Annually from 2004 to 2023
Average amount of small business loans made by SYNCHRONY BANK County, Census Tract Average dollars Annually from 2011 to 2023
Average amount of small business loans made by LAKE FOREST BANK & TRUST CO NA County, Census Tract Average dollars 2017, 2018, 2019, 2020, 2021, 2022, 2023
Average amount of small business loans made by WELLS FARGO BANK, N.A County, Census Tract Average dollars Annually from 2004 to 2023
Average amount of small business loans made by AMERIS BANK County, Census Tract Average dollars 2004, Annually from 2008 to 2023
Average amount of small farm loans made by JOHN DEERE FINANCIAL, F.S.B County, Census Tract Average dollars Annually from 2012 to 2023
Average amount of small farm loans made by JPMORGAN CHASE BANK, NA County, Census Tract Average dollars Annually from 2004 to 2023
Average amount of small farm loans made by US BANK NA County, Census Tract Average dollars Annually from 2004 to 2023
Average amount of small farm loans made by CAPITAL ONE, N.A County, Census Tract Average dollars Annually from 2004 to 2023
Average amount of small farm loans made by WELLS FARGO BANK, N.A County, Census Tract Average dollars Annually from 2004 to 2023
Average amount of small farm loans made by BANK OF AMERICA NA County, Census Tract Average dollars Annually from 2004 to 2023
Average amount of small farm loans made by PINNACLE BANK County, Census Tract Average dollars Annually from 2004 to 2023
Average amount of small farm loans made by ARVEST BANK County, Census Tract Average dollars 2004, 2005, 2006, 2007, 2008, Annually from 2010 to 2023
Average amount of small farm loans made by UNITED BANK OF IOWA County, Census Tract Average dollars 2004, Annually from 2014 to 2023
Average amount of small farm loans made by FIRST CITIZENS BANK AND TRUST County, Census Tract Average dollars Annually from 2004 to 2023