Community Reinvestment Act

Valley Republic Bank is pleased to provide information for public inspection under the Community Reinvestment Act. Interested parties can review the data provided and produce hard copies as needed. The Bank  can provide hard copies of the documents; however, please note we may charge a reasonable fee to cover copying and mailing expenses.


Under the Community Reinvestment Act, the following information must be maintained in a public file, current as of April 1 of each year;

  • Public comments received for the current year and the prior two calendar years;
  • The Public Section of the bank’s most recent CRA Performance Evaluation;
  • Loan to Deposit Ratios for 2018
  • Branches locations, hours, and services;
  • Branches opened or closed during the prior two calendar years
  • Deposit/Loan Products and Services;
  • Business Products and Fee Schedule
  • Personal Products and Fee Schedule
  • A map of the Bank's assessment area and a listing of census tracts; 
  • HMDA Disclosure Statements:  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 Web site (  HMDA data for many other financial institutions are also available at this web site.   

Any comments or questions about this portion of the Valley Republic Bank website or about Valley Republic Bank CRA performance may be addressed to:

Valley Republic Bank

Attn: CRA Officer
5000 California Ave. Suite 110

Bakersfield, CA 93309