Community Reinvestment Act
Growing and Building Together.
This web page contains information available for review under the Community Reinvestment Act (CRA). All content is current as of April 1 of each calendar year.
Comments or questions about North State Bank's CRA performance may be addressed to:
North State Bank
CRA Officer
PO Box 18367
Raleigh, NC 27619
CRA Officer
PO Box 18367
Raleigh, NC 27619
Available for Review:
- All written comments received from the public for the current year and each of the prior two calendar years, specifically related to the bank's performance in meeting community credit needs and the response to comments by the bank.
- North State Bank's CRA Policy Statement.
- Census tracts in the counties and cities where we serve.
- North State Bank's most recent CRA Public Evaluation.
- A list of branches opened and closed by the bank during the past two calendar years.
- Branch street addresses, geographies, services, and hours of operation.
- North State Bank's loan-to-deposit ratio for each quarter of the prior calendar year.
- Information about our loan products, loan products, and schedule of fees generally offered at the bank’s branches:
Home Mortgage Disclosure Act (HMDA) Notice
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau's website. HMDA data for many other financial institutions is also available at this website.