The Office of the Comptroller of the Currency said the banks examined were the Downs National Bank in Downs, the First National Bank & Trust Co. of Junction City and Community National Bank in Seneca.
The CRA is a1977 law that encourages banks and thrifts to provide loans to their local communities, including to low- and moderate-income neighborhoods.
Banks can receive one of four grades in the routine examination: outstanding, satisfactory, needs to improve and substantial noncompliance.
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