Federal Deposit Insurance Corporation (FDIC)

Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our performance in meeting the credit needs of this community, consistent with safe and sound operations. The FDIC also takes into account our record of helping to meet the credit needs of our entire community, including low‑ and moderate‑income neighborhoods, consistent with safe and sound operations.

You are entitled to certain information about our operations and our performance under the CRA. This information includes, for example, information about our branches, such as their locations and services provided; the public section of our most recent CRA Performance Evaluation, prepared by the FDIC; and comments received from members of the public relating to our CRA performance.

You may review this information during normal business hours at:

Federated Bank
107 N Chestnut, PO Box B
Onarga, IL 60955

You may also submit written comments regarding our CRA performance to:

Department: Compliance Department
Bank Name: Federated Bank
Mailing Address: 107 N Chestnut, PO Box B, Onarga, IL 60955

We will make any comments we receive available to the public.

CRA Public File

In accordance with the Federal Community Reinvestment Act (CRA), Federated Bank maintains a CRA Public File for public review.

The CRA Public File includes, among other items:

• The public section of the bank’s most recent CRA Performance Evaluation;
• A list of branches and services;
• Assessment Area information;
• Written public comments received, if any; and
• Other information required by the CRA regulation.

How to Access the CRA Public File

The CRA Public File may be reviewed:

• In person during normal business hours at the bank’s main office; and/or
• Online using the links provided below.

CRA Public File (FDIC)

If you have questions or need assistance accessing the CRA Public File, please contact the Compliance Department at Federated Bank.

Illinois Community Reinvestment Act (ILCRA) Public Notice

State of Illinois – Department of Financial and Professional Regulation (IDFPR)

Under the Illinois Community Reinvestment Act (ILCRA), the Secretary of the Illinois Department of Financial and Professional Regulation (IDFPR) evaluates our record of helping to meet the credit needs of the communities we serve, including low‑ and moderate‑income neighborhoods, consistent with safe and sound operations. The Secretary takes this record into account when deciding on certain applications submitted by the bank.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the ILCRA. This information includes, for example: – Information about our branches, including locations and services provided; – The public section of our most recent Illinois CRA Performance Evaluation, prepared by IDFPR; and – Written comments received from members of 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 during normal business hours at this office.

At least 30 days before the beginning of each calendar quarter, the Secretary publishes a list of banks scheduled for ILCRA examination during that quarter. This list is available from the Illinois Department of Financial and Professional Regulation.

You may submit written comments regarding our performance in helping to meet community credit needs to:

Illinois Department of Financial and Professional Regulation
Division of Banking
320 West Washington Street, 3rd Floor
Springfield, Illinois 62786

or

555 West Monroe Street, Suite 500
Chicago, Illinois 60661

You may also submit comments electronically through the Department’s website at:
https://idfpr.illinois.gov/admin/cra.html

Any comments submitted, together with any response by the bank, may be considered by the Secretary in evaluating our ILCRA performance and may be made available to the public.