CRA Public File Information

Community Reinvestment Act (CRA) Public File Information

Embassy National Bank is committed to serving the credit needs of the community in which we do business. It is our policy to respond to all credit worthy segments of our market. We believe that doing so is basic to good business practice and to the bank’s own long-term vitality. In pursuing this commitment, we will assure that we comply with the letter and spirit of the Community Reinvestment Act (CRA). We recognize this will require a proactive, rather than passive approach to determining community needs, including those of creditworthy low and moderate-income areas and individuals.

The Community Reinvestment Act (CRA) became law in 1977 and maintains one of the seminal pieces of legislation to address systemic inequities in access to credit. The CRA encourages banks to meet the needs of our entire communities in which we are located, with a focus on low and moderate-income (LMI) communities, consistent with safe and sound operations.

Embassy National Bank is pleased to provide the Community Reinvestment Act (CRA) public file information online for the public to review.

CRA Public Information

In compliance with the Community Reinvestment Act requirements, the following information (CRA-Public File) must be current and maintained on the Bank’s Website for the public’s review.

The Bank’s CRA Performance Evaluation

Written Comments

Written public comments based on the Bank’s CRA performance are below. The comments would have been received within two prior years (2022 and 2023), and the current calendar year as well. The public comments will have the Bank’s responses noted for each comment.

Branch and ATM Information

The Branch, ATM, hours of operation, street addresses, and geographies are below:

Opened and Closed Branches and ATMs

List of Products, Services and Fees

The Bank’s available loan and deposit products and transaction fees offered at the main office. Embassy National Bank has one location.

The Bank’s Assessment Area and Maps

A map for each of the counties are listed and the geographies contained within the areas.

Home Mortgage Disclosure Act Notice (HMDA) Disclosure Statement

CRA Loan to Deposit Ratios and UBPR

If you would like to receive a hard copy of these files, please complete and return the request form to (a fee may be charged for a hard copy).