CRA Public File Content - As of March 31, 2023

1. Correspondence - All written commentary from the public from the current year and the previous two years. (2020 - 2022)

2. Public Disclosure - Most recent CRA Performance Evaluation. (June 8, 2020)

3. Locations - List of the Bank's branches, addresses, geographies, and hours of operation.

4. Branch Openings - A list of branches opened or closed during the current year, and the previous two years with their street addressed, and geographies.

5. List of Services:

6. Assessment Area/Maps - A map of each county in our assessment area and a list of the Bank's assessment area.

7. CRA Disclosure Statement:

8. HMDA Disclosure Statement - This institution's HMDA Disclosure Statement may be obtained on the Consumer Financial Protection Bureau's website at

A complete CRA Public File is maintained in the following locations:

  • Compliance Department
  • Bennington Branch, VT
  • East Colonial Branch, FL
  • Main Office, NY
  • Allendale Branch, MA
  • Ramsey Branch, NJ

The Bank shall make available to the public for inspection upon request and at no cost the information required in this section. Upon request, the bank shall provide copies, either on paper or in another form acceptable to the person making the request of the information in its public file. The bank may charge a reasonable fee not to exceed the cost of copying and mailing (if applicable). If such a request is made, please contact the CRA Officer at 518-381-3625 or email at for processing of the request.