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CRA Public File

Legence Bank takes great pride in our commitment to the communities in which we live, work and serve.

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Community Reinvestment Act Notice

Under the federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account, when deciding on certain applications submitted by us.
 
Your involvement is encouraged.
 
You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the FDIC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.
 
At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of banks that are scheduled for CRA examination in that quarter. This list is available from the Regional Director, Division of Compliance and Consumer Affairs, FDIC, 500 West Monroe, Suite 3500, Chicago, IL, 60661. You may send written comments about our performance in helping to meet community credit needs to Kevin Beckemeyer, President/CEO, Legence Bank, 1200 US HWY 45, P.O. Box 569, Eldorado, IL, 62930 and the FDIC Regional Director. You may also submit comments electronically through the FDIC’s website at www.fdic.gov/regulations/cra. Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.
 
You may ask to look at any comments received by the FDIC Regional Director. You may also request from the FDIC Regional Director an announcement of applications covered by the CRA filed with the FDIC. We are an affiliate of First Eldorado Bancshares, a bank holding company. You may request from the Federal Reserve Bank of St. Louis, P.O. Box 442, St. Louis, MO, 63166 an announcement of applications covered by the CRA filed by bank holding companies.

CRA Performance Evaluation

CRA Performance Evaluation

List of Services

Leasing

Agriculture Leasing

Equipment Leasing

Municipal Leasing

Loans

Agriculture Real Estate Loans

AgXpress Loans

Auto Loans

Business Lines of Credit

Business Loans

Commercial Real Estate Loans

Equipment Loans

FSA Guaranteed Loan

Home Equity Lines of Credit (HELOC)

Home Mortgage Loans

Livestock Loans

Operating Lines of Credit

Personal Loans

Recreational Land Loans

SBA Guaranteed Loans

Solar Loans

USDA Guaranteed Loans

Personal Savings

Certificates of Deposit (CDs)

Christmas Club Savings Account

First Gold Money Market Account

Individual Retirement Accounts (IRAs)

Passbook Savings Account

Young Saver Account

Personal Services

Card Controls

Debit Card Alerts

Go!Focus Budgeting Tool

Online Banking

SPIN Person to Person (P2P) Payments

Visa Debit Card

Loan to Deposit Ratios

Loan to Deposit Ratios

CRA Branch Listing

CRA Branch Listing

Assessment of Area Maps

Branch Census Tract Demographics

Benton Branch Demographics

Carbondale Branch Demographics

Corporate Office Demographics

Eldorado Branch Demographics

Evansville Branch Demographics

Galatia Branch Demographics

Harrisburg Branch Demographics

Johnston City Branch Demographics

Marion Branch Demographics

Metropolis Branch Demograpghics

Mount Vernon Branch Demographics

Shawneetown Branch Demographics

Vienna Branch Demographics

County Census Demographics

Franklin County Demographics

Gallatin County Demographics

Jackson County Demographics

Jefferson County Demographics

Johnson County Demographics

Massac County Demographics

Saline County Demographics

Vanderburgh County Demographics

Williamson County Demographics

County Maps

Franklin County Map

Gallatin County Map

Jackson County Map

Jefferson County Map

Johnson County Map

Massac County Map

Saline County Map

Vanderburgh County Map

Williamson County Map

Open and Closed Branches

Closed Branches

Mounds Branch Closure

Mounds Branch Closure - Letter to Loan Customers

Mounds Branch Closure - Letter to Safety Deposit Box Customers

Mounds Branch Closure - 90 Day Letter to Customers

Public Comments and Responses

CRA Disclosures

Legence Bank's CRA Disclosure Statements may be obtained on the Federal Financial Institution Examination Council's Web site at www.ffiec.gov/cra

HDMA Disclosures

HMDA-Disclosure

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