Community Reinvestment Act

Under the Community Reinvestment Act (CRA), the following information must be maintained by First Bank in a public file, current as of April 1 of each year:

• All written comments (PDF) 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 meet community credit needs, and any response to the comments by the bank.
• The public section of the bank’s most recent CRA Performance Evaluation (PDF).
• A list of branch locations including hours of operation.
• A list of branches opened and closed by the bank (PDF) during the past two calendar years.
• A list of loan and deposit products, and schedule of fees generally offered at the bank’s branches:
  • Personal Checking
  • Personal Savings
  • Personal Lending
  • Mortgages
  • Personal Fee Schedule (PDF)
  • Business Checking
  • Business Savings
  • Business Lending
  • Business Fee Schedule (PDF)
• A map of each facility‑based assessment area (PDF) showing the boundaries of the area and identifying the geographies contained within the area.
• A CRA Disclosure Statement (PDF) showing Small Business and Small Farm activity for the prior two calendar years.
• An HMDA Disclosure Statement for the prior two calendar years, which may be obtained on the Consumer Financial Protection Bureau’s website.

Comments or questions about First Bank’s CRA performance may be addressed to:

First Bank
CRA Officer
431 N. Spence Avenue
Goldsboro, NC 27534