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Federal Register / Vol. 86, No. 178 / Friday, September 17, 2021 / Proposed Rules
A A reasonable loan-to-deposit ratio considering seasonal variations given the savings associations size, financial condition, the credit needs of its assessment areas, and taking into account, as appropriate, other lending-related activities such as loan originations for sale to the secondary markets and community development loans and qualified investments;
B A majority of its loans and, as appropriate, other lending-related activities, are in its assessment area;
C A distribution of loans to and, as appropriate, other lending-related activities for individuals of different income levels including lowand moderate-income individuals and businesses and farms of different sizes that is reasonable given the demographics of the savings associations assessment areas;
D A record of taking appropriate action, when warranted, in response to written complaints, if any, about the savings associations performance in helping to meet the credit needs of its assessment areas; and E A reasonable geographic distribution of loans given the savings associations assessment areas.
ii Eligibility for an outstanding lending test rating. A small savings association that meets each of the standards for a satisfactory rating under this paragraph and exceeds some or all of those standards may warrant consideration for a lending test rating of outstanding.
iii Needs to improve or substantial noncompliance ratings. A small savings association may also receive a lending test rating of needs to improve or substantial noncompliance depending on the degree to which its performance has failed to meet the standard for a satisfactory rating.
2 Community development test ratings for intermediate small savings associationsi Eligibility for a satisfactory community development test rating. The appropriate Federal banking agency rates an intermediate small savings associations community development performance satisfactory if the savings association demonstrates adequate responsiveness to the community development needs of its assessment areas through community development loans, qualified investments, and community development services. The adequacy of the savings associations response will depend on its capacity for such community development activities, its assessment areas need for such community development activities, and the availability of such opportunities for community development in the savings associations assessment areas.
ii Eligibility for an outstanding community development test rating. The appropriate Federal banking agency rates an intermediate small savings associations community development performance outstanding if the savings association demonstrates excellent responsiveness to community development needs in its assessment areas through community development loans, qualified investments, and community development services, as appropriate, considering the savings associations capacity and the need and
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availability of such opportunities for community development in the savings associations assessment areas.
iii Needs to improve or substantial noncompliance ratings. An intermediate small savings association may also receive a community development test rating of needs to improve or substantial noncompliance depending on the degree to which its performance has failed to meet the standards for a satisfactory rating.
3 Overall ratingi Eligibility for a satisfactory overall rating. No intermediate small savings association may receive an assigned overall rating of satisfactory unless it receives a rating of at least satisfactory on both the lending test and the community development test.
ii Eligibility for an outstanding overall rating. A An intermediate small savings association that receives an outstanding rating on one test and at least satisfactory on the other test may receive an assigned overall rating of outstanding.
B A small savings association that is not an intermediate small savings association that meets each of the standards for a satisfactory rating under the lending test and exceeds some or all of those standards may warrant consideration for an overall rating of outstanding. In assessing whether a savings associations performance is outstanding, the appropriate Federal banking agency considers the extent to which the savings association exceeds each of the performance standards for a satisfactory rating and its performance in making qualified investments and its performance in providing branches and other services and delivery systems that enhance credit availability in its assessment areas.
iii Needs to improve or substantial noncompliance overall ratings. A small savings association may also receive a rating of needs to improve or substantial noncompliance depending on the degree to which its performance has failed to meet the standards for a satisfactory rating.
e Strategic plan assessment and rating 1 Satisfactory goals. The appropriate Federal banking agency approves as satisfactory measurable goals that adequately help to meet the credit needs of the savings associations assessment areas.
2 Outstanding goals. If the plan identifies a separate group of measurable goals that substantially exceed the levels approved as satisfactory, the appropriate Federal banking agency will approve those goals as outstanding.
3 Rating. The appropriate Federal banking agency assesses the performance of a savings association operating under an approved plan to determine if the savings association has met its plan goals:
i If the savings association substantially achieves its plan goals for a satisfactory rating, the appropriate Federal banking agency will rate the savings associations performance under the plan as satisfactory.
ii If the savings association exceeds its plan goals for a satisfactory rating and substantially achieves its plan goals for an outstanding rating, the appropriate Federal banking agency will rate the savings associations performance under the plan as outstanding.

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iii If the savings association fails to meet substantially its plan goals for a satisfactory rating, the appropriate Federal banking agency will rate the savings association as either needs to improve or substantial noncompliance, depending on the extent to which it falls short of its plan goals, unless the savings association elected in its plan to be rated otherwise, as provided in 195.27f4.

Appendix B to Part 195CRA Notice a Notice for main offices and, if an interstate savings association, one branch office in each state.
Community Reinvestment Act Notice Under the Federal Community Reinvestment Act CRA, the Office of the Comptroller of the Currency OCC or Federal Deposit Insurance Corporation FDIC
evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The OCC or FDIC 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 OCC or FDIC; 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 OCC or FDIC publishes a nationwide list of the savings associations that are scheduled for CRA examination in that quarter. This list is available from the OCC Deputy Comptroller address or FDIC
appropriate regional director address. You may send written comments about our performance in helping to meet community credit needs to name and address of official at savings association and the OCC Deputy Comptroller address or FDIC appropriate regional director address. Your letter, together with any response by us, will be considered by the OCC or FDIC in evaluating our CRA performance and may be made public.
You may ask to look at any comments received by the OCC Deputy Comptroller or FDIC appropriate regional director. You may also request from the OCC Deputy Comptroller or FDIC appropriate regional director an announcement of our applications covered by the CRA filed with the OCC or FDIC. We are an affiliate of name of holding company, a savings and loan holding company. You may request from the title of responsible official, Federal Reserve Bank of llll address an announcement of applications covered by the CRA filed by savings and loan holding companies.
b Notice for branch offices.
Community Reinvestment Act Notice Under the Federal Community Reinvestment Act CRA, the Office of the
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