CRA statement

CRA Statement


Under the federal Community Reinvestment Act (CRA), Office of the Comptroller of the Currency (OCC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The Comptroller also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the Comptroller; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.

At least 30 days before the beginning of each quarter, the Comptroller publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Deputy Comptroller 500 North Akard Street, Suite 1600, Dallas, Texas 75201. You may send written comments about our performance in helping to meet community credit needs to Darbi Bratton, Compliance Officer at 1849 South First, Abilene, Texas 79605 and the Deputy Comptroller at 500 North Akard Street, Suite 1600, Dallas, TX 75201. Your letter, together with any response by us, will be considered by the OCC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the Deputy Comptroller. You may also request from the Deputy Comptroller an announcement of our applications covered by the CRA filed with the Comptroller. We are an affiliate of First Baird Bancshares, Inc., a bank holding company. You may request from the Officer on Charge of Community and Consumer Affairs, Federal Reserve Bank of Dallas P.O. Box 655906 Dallas, Texas 75265-5906 an announcement of applications covered by the CRA filed by bank holding companies.