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Community Reinvestment Act (CRA)

State Farm Bank® strives to exceed the requirements of the Community Reinvestment Act (CRA), created to encourage financial institutions to meet the credit and banking needs of entire communities — including low and moderate income (LMI) areas and individuals consistent with safe and sound banking operations. The CRA provides a framework for banks and community organizations to work together to meet these needs. According to the CRA regulation, the definition of community development includes:

  • Affordable housing (including multi-family rental housing) for LMI individuals
  • Community services targeted to LMI individuals
  • Activities that promote economic development by financing small businesses or small farms
  • Activities that revitalize or stabilize LMI geographic areas

State Farm Bank falls under the CRA regulatory guidelines established by the Office of the Comptroller of the Currency (OCC). The bank's performance is reviewed by the OCC about every 36 months.

You can view the most recent CRA Performance Evaluation and Public Notice in the following links:

Community Reinvestment Act (CRA) Public Notice

2018 CRA Performance Evaluation

For information about State Farm Bank’s CRA program, please email

Learn more about State Farm Bank

For questions, please contact

State Farm Bank, Bloomington, Illinois, a Member FDIC and Equal Housing Lender.