{"id":11215,"date":"2024-03-18T15:36:55","date_gmt":"2024-03-18T19:36:55","guid":{"rendered":"https:\/\/baycoast.bank\/?page_id=11215"},"modified":"2026-02-11T14:13:08","modified_gmt":"2026-02-11T19:13:08","slug":"cra-public-file","status":"publish","type":"page","link":"https:\/\/baycoast.bank\/en\/cra-public-file\/","title":{"rendered":"CRA Public File"},"content":{"rendered":"<div class=\"lazyblock-interior-hero-Z2aoHku wp-block-lazyblock-interior-hero\">\n<div class=\"section hero\">\n\t<div class=\"backing parallaxContainer\">\n\t\t<div class=\"backing\" style=\"background-image: url(https:\/\/baycoast.bank\/wp-content\/uploads\/2024\/02\/CRA-Header-.jpg\" role=\"img\" aria-label=\"Hero Image\"><\/div>\n\t<\/div>\n\n\t<div class=\"heroContent\">\n\t\t<div class=\"plusPlus blue\" ><\/div>\n\t\t\n\t\t<div class=\"heroWrapper\">\n\t\t\t<div class=\"heroBlock bgWhite\">\n\t\t\t\t\n\t\t\t\t<div class=\"heroBlockHeadline\">\n\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<h1 class=\"blue\">CRA Public File<\/h1>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t    \t\n\t\t\t\n\t\t<\/div>\n\t<\/div>\n<\/div> \n\n<div class=\"spacer\"><\/div><\/div>\n\n<div class=\"lazyblock-interior-content-Z2jmN4W wp-block-lazyblock-interior-content\"><div class=\"spacer\"><\/div>\n\n<div class=\"section\">\n\t<div class=\"paddedWrapper\">\n\t\t<div class=\"wrapper flex gutenberg\" style=\"justify-content: center;\">\n\n\t\t\t\n\t\t\t<div class=\"smallWrapper gutenberg\">\n\t\t\t\n\t\t\t\t<div class=\"h3\">Take a closer look at how BayCoast Bank is actively working towards the betterment of our communities.<\/div>\n\t\t\t  \n\t\t\t  \t<hr style=\"margin-bottom: 5rem;\">\n\t\t\t\t\n\t\t\t\t\n\n<p>BayCoast Bank upholds the principles of the Community Reinvestment Act (CRA) and is dedicated to fostering community development. In compliance with CRA regulations, we maintain a comprehensive CRA Public File, which is updated regularly and made available for public inspection upon request. As of April 1 of the current year, our complete CRA Public File is accessible below, providing you with convenient access to information about our community reinvestment efforts. <\/p>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-8f92703\" data-block-id=\"8f92703\"><\/div>\n\n\n\n<div class=\"wp-block-kadence-infobox kt-info-box11215_74a2a0-be\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center\" href=\"https:\/\/baycoast.bank\/wp-content\/uploads\/2025\/01\/CRA-Performance-Evaluation.pdf\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span data-name=\"fe_fileText\" data-stroke=\"2\" data-class=\"kt-info-svg-icon\" class=\"kadence-dynamic-icon\"><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h5 class=\"kt-blocks-info-box-title\">Most Recent CRA Performance Evaluation<\/h5><p class=\"kt-blocks-info-box-text\"><\/p><\/div><\/a><\/div>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-24ee94e\" data-block-id=\"24ee94e\"><style>.stk-24ee94e {height:25px !important;}<\/style><\/div>\n\n\n\n<div class=\"wp-block-stackable-divider stk-block-divider stk-block stk-aec4c2b is-style-bar\" data-block-id=\"aec4c2b\"><style>.stk-aec4c2b hr.stk-block-divider__hr{background:var(--stk-global-color-63884, #fbad18) !important;border-radius:calc(4px \/ 2) !important;height:4px !important;width:7% !important;}<\/style><hr class=\"stk-block-divider__hr\"\/><\/div>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-c0aa90f\" data-block-id=\"c0aa90f\"><style>.stk-c0aa90f {height:25px !important;}<\/style><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-4cdd258\" id=\"assessment-area-maps-amp-census-data\" data-block-id=\"4cdd258\"><h4 class=\"stk-block-heading__text has-text-align-center\">Assessment Area Maps &amp; Census Data<\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-bc9ca20\" data-block-id=\"bc9ca20\"><p class=\"stk-block-text__text has-text-align-center\">Maps of the Bank&#8217;s assessment areas showing boundaries and identifying the geographies (census tracts) contained within the areas.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-788500b\" data-block-id=\"788500b\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-788500b-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-a5fb767\" data-v=\"4\" data-block-id=\"a5fb767\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-a5fb767-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-a5fb767-inner-blocks\">\n<div class=\"wp-block-kadence-infobox kt-info-box11215_dd4651-46\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center\" href=\"https:\/\/baycoast.bank\/wp-content\/uploads\/2024\/05\/CRA-FBAA-2020-FFIEC-census-data-eff.3.7.24.pdf\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span data-name=\"fe_fileText\" data-stroke=\"2\" data-class=\"kt-info-svg-icon\" class=\"kadence-dynamic-icon\"><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h5 class=\"kt-blocks-info-box-title\">Assessment Areas<\/h5><p class=\"kt-blocks-info-box-text\"><\/p><\/div><\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-ad91b78\" data-v=\"4\" data-block-id=\"ad91b78\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-ad91b78-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-ad91b78-inner-blocks\">\n<div class=\"wp-block-kadence-infobox kt-info-box11215_a7b8d9-d8\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center\" href=\"https:\/\/baycoast.bank\/wp-content\/uploads\/2025\/01\/Assessment-Area-Map-for-BCB-Website-01062025.pdf\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span data-name=\"fe_fileText\" data-stroke=\"2\" data-class=\"kt-info-svg-icon\" class=\"kadence-dynamic-icon\"><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h5 class=\"kt-blocks-info-box-title\">Assessment Area Maps<\/h5><p class=\"kt-blocks-info-box-text\"><\/p><\/div><\/a><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-b102e6d\" data-block-id=\"b102e6d\"><style>.stk-b102e6d {height:25px !important;}<\/style><\/div>\n\n\n\n<div class=\"wp-block-stackable-divider stk-block-divider stk-block stk-927c510 is-style-bar\" data-block-id=\"927c510\"><style>.stk-927c510 hr.stk-block-divider__hr{background:var(--stk-global-color-63884, #fbad18) !important;border-radius:calc(4px \/ 2) !important;height:4px !important;width:7% !important;}<\/style><hr class=\"stk-block-divider__hr\"\/><\/div>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-c946cd4\" data-block-id=\"c946cd4\"><style>.stk-c946cd4 {height:25px !important;}<\/style><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-2bbee5e\" id=\"branch-locations-amp-service-hours\" data-block-id=\"2bbee5e\"><h4 class=\"stk-block-heading__text has-text-align-center\">Branch Locations &amp; Service Hours<\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-47f1ec3\" id=\"branch-locations-amp-service-hours\" data-block-id=\"47f1ec3\"><p class=\"stk-block-text__text has-text-align-center\">BayCoast Bank offers deposits, mortgage loans, small business loans and other general consumer products in line with traditional banking services.<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-1f96362\" data-block-id=\"1f96362\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-1f96362-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4775e33\" data-v=\"4\" data-block-id=\"4775e33\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4775e33-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4775e33-inner-blocks\">\n<div class=\"wp-block-kadence-infobox kt-info-box11215_5f8b11-c7\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center\" href=\"https:\/\/baycoast.bank\/en\/locations\/\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span data-name=\"fe_fileText\" data-stroke=\"2\" data-class=\"kt-info-svg-icon\" class=\"kadence-dynamic-icon\"><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h5 class=\"kt-blocks-info-box-title\">Locations &amp; Hours<\/h5><p class=\"kt-blocks-info-box-text\"><\/p><\/div><\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-c957b85\" data-v=\"4\" data-block-id=\"c957b85\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-c957b85-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-c957b85-inner-blocks\">\n<div class=\"wp-block-kadence-infobox kt-info-box11215_76a15d-03\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center\" href=\"https:\/\/baycoast.bank\/wp-content\/uploads\/2024\/03\/Miscellaneous-Fees-and-Charges-2023-2024.pdf\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span data-name=\"fe_fileText\" data-stroke=\"2\" data-class=\"kt-info-svg-icon\" class=\"kadence-dynamic-icon\"><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h5 class=\"kt-blocks-info-box-title\">Miscellaneous Fees &amp; Charges<\/h5><p class=\"kt-blocks-info-box-text\"><\/p><\/div><\/a><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-bec483c\" data-block-id=\"bec483c\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-bec483c-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-d7e5dc7\" data-v=\"4\" data-block-id=\"d7e5dc7\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-d7e5dc7-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-d7e5dc7-inner-blocks\">\n<div class=\"wp-block-kadence-infobox kt-info-box11215_8333a6-9d\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center\" href=\"https:\/\/baycoast.bank\/wp-content\/uploads\/2024\/03\/Branch-ATM-Information-2023-2024.pdf\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span data-name=\"fe_fileText\" data-stroke=\"2\" data-class=\"kt-info-svg-icon\" class=\"kadence-dynamic-icon\"><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h5 class=\"kt-blocks-info-box-title\">Openings &amp; Closings<\/h5><p class=\"kt-blocks-info-box-text\"><\/p><\/div><\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4912ed2\" data-v=\"4\" data-block-id=\"4912ed2\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4912ed2-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4912ed2-inner-blocks\"><\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-1e48ff2\" data-block-id=\"1e48ff2\"><style>.stk-1e48ff2 {height:25px !important;}<\/style><\/div>\n\n\n\n<div class=\"wp-block-stackable-divider stk-block-divider stk-block stk-e1d12c8 is-style-bar\" data-block-id=\"e1d12c8\"><style>.stk-e1d12c8 hr.stk-block-divider__hr{background:var(--stk-global-color-63884, #fbad18) !important;border-radius:calc(4px \/ 2) !important;height:4px !important;width:7% !important;}<\/style><hr class=\"stk-block-divider__hr\"\/><\/div>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-a6d8597\" data-block-id=\"a6d8597\"><style>.stk-a6d8597 {height:25px !important;}<\/style><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-a932fe7\" id=\"public-notice-amp-community-reinvestment-act-policy\" data-block-id=\"a932fe7\"><h4 class=\"stk-block-heading__text has-text-align-center\">Public Notice &amp; Community Reinvestment Act Policy<\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-23c76a5\" data-block-id=\"23c76a5\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-23c76a5-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-b55dceb\" data-v=\"4\" data-block-id=\"b55dceb\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-b55dceb-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-b55dceb-inner-blocks\">\n<div class=\"wp-block-kadence-infobox kt-info-box11215_535194-19\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center\" href=\"https:\/\/baycoast.bank\/wp-content\/uploads\/2025\/04\/COMMUNITY-REINVESTMENT-ACT-NOTICE.pdf\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span data-name=\"fe_fileText\" data-stroke=\"2\" data-class=\"kt-info-svg-icon\" class=\"kadence-dynamic-icon\"><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h5 class=\"kt-blocks-info-box-title\">\u00a0CRA Public Notice<\/h5><p class=\"kt-blocks-info-box-text\"><\/p><\/div><\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-ce28c9b\" data-v=\"4\" data-block-id=\"ce28c9b\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-ce28c9b-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-ce28c9b-inner-blocks\">\n<div class=\"wp-block-kadence-infobox kt-info-box11215_bbfb15-ef\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center\" href=\"https:\/\/baycoast.bank\/wp-content\/uploads\/2025\/04\/2024-Fair-Banking-and-CRA-Policy-August-2024-FINAL.pdf\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span data-name=\"fe_fileText\" data-stroke=\"2\" data-class=\"kt-info-svg-icon\" class=\"kadence-dynamic-icon\"><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h5 class=\"kt-blocks-info-box-title\">CRA Policy<\/h5><p class=\"kt-blocks-info-box-text\"><\/p><\/div><\/a><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-eda9c95\" data-block-id=\"eda9c95\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-eda9c95-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-67b0d4b\" data-v=\"4\" data-block-id=\"67b0d4b\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-67b0d4b-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-67b0d4b-inner-blocks\">\n<div class=\"wp-block-kadence-infobox kt-info-box11215_d61244-e5\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center\" href=\"https:\/\/baycoast.bank\/wp-content\/uploads\/2025\/04\/CRA-Public-Comments-section-insert-eff-04012025.pdf\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span data-name=\"fe_fileText\" data-stroke=\"2\" data-class=\"kt-info-svg-icon\" class=\"kadence-dynamic-icon\"><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h5 class=\"kt-blocks-info-box-title\">\u00a0CRA Public Comments<\/h5><p class=\"kt-blocks-info-box-text\"><\/p><\/div><\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-3e11a57\" data-v=\"4\" data-block-id=\"3e11a57\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-3e11a57-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-3e11a57-inner-blocks\"><\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-5ded825\" data-block-id=\"5ded825\"><style>.stk-5ded825 {height:25px !important;}<\/style><\/div>\n\n\n\n<div class=\"wp-block-stackable-divider stk-block-divider stk-block stk-b617d11 is-style-bar\" data-block-id=\"b617d11\"><style>.stk-b617d11 hr.stk-block-divider__hr{background:var(--stk-global-color-63884, #fbad18) !important;border-radius:calc(4px \/ 2) !important;height:4px !important;width:7% !important;}<\/style><hr class=\"stk-block-divider__hr\"\/><\/div>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-f666709\" data-block-id=\"f666709\"><style>.stk-f666709 {height:25px !important;}<\/style><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-04aa315\" id=\"cra-disclosure-statements\" data-block-id=\"04aa315\"><h4 class=\"stk-block-heading__text has-text-align-center\">CRA Disclosure Statements<\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-b5f5753\" data-block-id=\"b5f5753\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-b5f5753-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-04eb426\" data-v=\"4\" data-block-id=\"04eb426\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-04eb426-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-04eb426-inner-blocks\">\n<div class=\"wp-block-kadence-infobox kt-info-box11215_f613f3-ff\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center\" href=\"https:\/\/baycoast.bank\/wp-content\/uploads\/2025\/01\/2023-FFIEC-CRA-Disclosure-Statement.pdf\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span data-name=\"fe_fileText\" data-stroke=\"2\" data-class=\"kt-info-svg-icon\" class=\"kadence-dynamic-icon\"><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h5 class=\"kt-blocks-info-box-title\">2023 FFIEC CRA<br\/>Disclosure Statement<\/h5><p class=\"kt-blocks-info-box-text\"><\/p><\/div><\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-c4781b2\" data-v=\"4\" data-block-id=\"c4781b2\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-c4781b2-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-c4781b2-inner-blocks\">\n<div class=\"wp-block-kadence-infobox kt-info-box11215_03c04d-33\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-center\" href=\"https:\/\/baycoast.bank\/wp-content\/uploads\/2021\/11\/2024-CRA-Aggregate-table-for-BCB-small-Bus.pdf\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span data-name=\"fe_fileText\" data-stroke=\"2\" data-class=\"kt-info-svg-icon\" class=\"kadence-dynamic-icon\"><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h5 class=\"kt-blocks-info-box-title\">2024 FFIEC CRA<br\/>Disclosure Statement <\/h5><p class=\"kt-blocks-info-box-text\"><\/p><\/div><\/a><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-d98cf03\" data-block-id=\"d98cf03\"><style>.stk-d98cf03 {height:25px !important;}<\/style><\/div>\n\n\n\n<div class=\"wp-block-stackable-divider stk-block-divider stk-block stk-d9eefe2 is-style-bar\" data-block-id=\"d9eefe2\"><style>.stk-d9eefe2 hr.stk-block-divider__hr{background:var(--stk-global-color-63884, #fbad18) !important;border-radius:calc(4px \/ 2) !important;height:4px !important;width:7% !important;}<\/style><hr class=\"stk-block-divider__hr\"\/><\/div>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-22c668a\" data-block-id=\"22c668a\"><style>.stk-22c668a {height:25px !important;}<\/style><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-67b8648\" id=\"hmda-disclosure-statement-amp-modified-lar-statement-for-bay-coast-bank-amp-bay-coast-mortgage-company\" data-block-id=\"67b8648\"><h4 class=\"stk-block-heading__text has-text-align-center\">HMDA Disclosure Statement &amp; Modified LAR Statement for BayCoast Bank &amp; BayCoast Mortgage Company<\/h4><\/div>\n\n\n\n<p>The HMDA data for BayCoast Bank\u2019s and BayCoast Mortgage Company&#8217;s residential mortgage lending is available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. The data is accessed online at the Consumer Financial Protection Bureau\u2019s Web site (<a href=\"http:\/\/www.consumerfinance.gov\/hmda\" target=\"_blank\" rel=\"noopener\">www.consumerfinance.gov\/hmda<\/a>). HMDA data for many other financial institutions are also available at this Web site.<\/p>\n\n\n\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n<\/div> <\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":20,"featured_media":11216,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-11215","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"featured_image_urls_v2":{"full":["https:\/\/baycoast.bank\/wp-content\/uploads\/2024\/02\/CRA-Header-.jpg",1920,800,false],"thumbnail":["https:\/\/baycoast.bank\/wp-content\/uploads\/2024\/02\/CRA-Header--150x150.jpg",150,150,true],"medium":["https:\/\/baycoast.bank\/wp-content\/uploads\/2024\/02\/CRA-Header--300x125.jpg",300,125,true],"medium_large":["https:\/\/baycoast.bank\/wp-content\/uploads\/2024\/02\/CRA-Header--768x320.jpg",768,320,true],"large":["https:\/\/baycoast.bank\/wp-content\/uploads\/2024\/02\/CRA-Header--1024x427.jpg",1024,427,true],"1536x1536":["https:\/\/baycoast.bank\/wp-content\/uploads\/2024\/02\/CRA-Header--1536x640.jpg",1536,640,true],"2048x2048":["https:\/\/baycoast.bank\/wp-content\/uploads\/2024\/02\/CRA-Header-.jpg",1920,800,false]},"post_excerpt_stackable_v2":"<p>CRA Public File Take a closer look at how BayCoast Bank is actively working towards the betterment of our communities. BayCoast Bank upholds the principles of the Community Reinvestment Act (CRA) and is dedicated to fostering community development. In compliance with CRA regulations, we maintain a comprehensive CRA Public File, which is updated regularly and made available for public inspection upon request. As of April 1 of the current year, our complete CRA Public File is accessible below, providing you with convenient access to information about our community reinvestment efforts. Most Recent CRA Performance Evaluation Assessment Area Maps &amp; Census&hellip;<\/p>\n","category_list_v2":"","author_info_v2":{"name":"kcaisse","url":"https:\/\/baycoast.bank\/en\/author\/kcaisse\/"},"comments_num_v2":"0 comments","publishpress_future_action":{"enabled":false,"date":"2026-05-09 06:05:27","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"translation_priority","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/baycoast.bank\/en\/wp-json\/wp\/v2\/pages\/11215","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/baycoast.bank\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/baycoast.bank\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/baycoast.bank\/en\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/baycoast.bank\/en\/wp-json\/wp\/v2\/comments?post=11215"}],"version-history":[{"count":0,"href":"https:\/\/baycoast.bank\/en\/wp-json\/wp\/v2\/pages\/11215\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baycoast.bank\/en\/wp-json\/wp\/v2\/media\/11216"}],"wp:attachment":[{"href":"https:\/\/baycoast.bank\/en\/wp-json\/wp\/v2\/media?parent=11215"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}