Community Impact

As a locally owned and managed bank with five locations in Iowa and South Dakota, we are proud to be a part of the communities we serve and value the opportunity to work alongside local families and businesses to help them grow and thrive. Our commitment goes beyond transactional banking —we’re here to support dreams, strengthen neighborhoods, nurture lasting relationships, and build legacies. With deep community roots and a forward-looking spirit, we’re excited to continue serving our communities for many years to come, providing the best value for your hard-earned money, and meeting your needs throughout your financial journey.

Community Reinvestment Act

The CRA (Community Reinvestment Act) was enacted in 1977 to require the federal banking regulators to encourage financial institutions to help meet the credit needs of the communities in which they do business, including LMI (low-and-moderate-income) neighborhoods.

The federal banking regulators are responsible to

examine banks to evaluate and rate their performance under the CRA
consider banks’ CRA performance in context with other supervisory information when analyzing applications for mergers, acquisitions, and branch openings
share information about community development techniques with bankers and the public.

Available Public Information

In compliance with CRA requirements, the following information is current as of April 1 of each year and updated periodically.

HMDA Notice

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 (www.consumerfinance.gov/data-research/hmda). HMDA data for many other financial institutions are also available at this Web site.