At West Shore Bank, we are dedicated to serving the financial needs of our entire community, including low‑ and moderate‑income and minority areas throughout our footprint. In accordance with the Community Reinvestment Act (CRA), we are pleased to make this information available for public review. Providing these materials online allows us to keep them up to date and easily accessible.
CRA Public File Information
Public Information Available for Inspection
In compliance with CRA requirements, the following information must be maintained in the public file, current as of April 1 of each year, and may be updated periodically.
CRA Performance Evaluation
A copy of the bank’s most recent CRA Performance Evaluation (the full evaluation is contained in the three documents below).
- CRA Performance Evaluation
- CRA Performance Evaluation Appendices A-F
- CRA Performance Evaluation Appendices G-J
All written comments received from the public for the current year and each of the prior two calendar years relating specifically to the banks performance in helping to meet community credit needs and response to the comments by the bank.
Branch Information
ATM Information
A list of the bank's branches, ATM's, their street addresses, and geographies, including hours of operations
Opened and Closed Branches and ATMs
Branches and ATMs opened or closed by the bank during the current year and each of the prior two calendar years.
List of Products, Services, and Fee Schedules
A list of services (loan and deposit products and transaction fees) generally offered at the bank’s branches and descriptions of material differences in the availability or cost of services at particular branches, if any.
Assessment Area Listing, Maps, and Geographies
A map of each assessment area showing the boundaries of the area and identifying the geographies contained within the area.
Additional Information Available to the Public
CRA Disclosure Statement
West Shore Bank's CRA Disclosure Statements are available for review at the Federal Financial Institution Examination Council (FFIEC) website. To view the Disclosure Statement, follow the link below, select the year you wish to review and enter either the Respondent ID or Institution Name.
Peoples Bank reported data
Institution: West Shore Bank
Respondent ID: X
Home Mortgage Disclosure Act Notice (HDMA):
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. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website (www.consumerfinance.gov/hmda) or the Federal Financial Institutions Examination Council website (https://ffiec.cfpb.gov/data-publication/disclosure-reports). Peoples Bank’s Legal Entity Identifier (LEI) is I70W3N0Z6KOX8FYIH023.
Public Notice
Any Other Information the Bank Chooses
None at this time.
Need Assistance?
Please visit your West Shore Bank branch for questions or to receive a hard copy of the banks CRA Public File.