To protect the health and safety of the public and our employees, the Department of Banking has limited the number of employees at our office at 260 Constitution Plaza in Hartford. When contacting the Department, please use electronic communication whenever possible. Consumers are encouraged to use our online form for complaints. If you are unsure where to send an inquiry, you may send it to Department.Banking@ct.gov and it will be routed appropriately. Thank you for your patience during this time.

Community Reinvestment Act (CRA) Ratings
Current Community Reinvestment Act (CRA) ratings for state-chartered bank and trust companies and savings banks are shown in the following table. Please note that uninsured banks do not need to comply with community reinvestment laws. Visit our banks in Connecticut page for institution addresses, telephone numbers and links to websites.

Institutions are rated on the following scale:

O = Outstanding
S = Satisfactory
NI = Needs to Improve
SN = Substantial Non-compliance

The Connecticut Community Reinvestment Act (CRA) requires the commissioner to assess each bank's record of meeting the credit needs of its local communities, including low- and moderate-income neighborhoods, consistent with the safe and sound operation of the institution.

In addition to being examined by the Department of Banking for compliance with the Connecticut CRA, most Connecticut chartered banks are also examined for compliance with the Federal CRA by their appropriate federal regulator.  CRA ratings and Public Evaluations issued by the federal regulators may be obtained on the FFIEC website.  CRA ratings for federally-chartered institutions may also be found at the above link.

CRA questions may be directed via email to Mary Ellen O'Neill, Director, Financial Institutions Division.

CRA Ratings as of September 30, 2021
BANKWELL BANK S
CHELSEA GROTON BANK O
DIME BANK S
DR BANK NI
EASTERN CONNECTICUT SAVINGS BANK S
ESSEX SAVINGS BANK S
FAIRFIELD COUNTY BANK S
FIELDPOINT PRIVATE BANK & TRUST S
FIRST BANK OF GREENWICH, THE S
FIRST COUNTY BANK S
GUILFORD SAVINGS BANK, THE S
ION BANK S
JEWETT CITY SAVINGS BANK S
LIBERTY BANK O
MILFORD BANK, THE S
NEW HAVEN BANK O
NEWTOWN SAVINGS BANK O
NORTHWEST COMMUNITY BANK S
SALISBURY BANK & TRUST COMPANY S
SAVINGS BANK OF DANBURY O
STAFFORD SAVINGS BANK S
THOMASTON SAVINGS BANK S
TORRINGTON SAVINGS BANK, THE S
UNION SAVINGS BANK S