Community Reinvestment Act
Saratoga National Bank maintains a complete Community Reinvestment Act Public File online. The information provided is current as of April 1 of each year.
CRA disclosures can also be located on the FFIEC CRA Disclosure website by entering Saratoga National Bank and Trust Company’s respondent ID (0000021530 ) in the Respondent ID search box.
2022
2021
Saratoga National Bank and Trust Company and our affiliate Glens Falls National Bank and Trust Company Home Mortgage Disclosure Act (HMDA) Statements data about our residential mortgage showing the geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials, regarding the applications in each of the bank's assessment area, may be obtained on the Consumer Financial Protection Bureau's Website at Consumer Financial Protection Bureau's Website by entering the bank's name in the Institution Name search box. HMDA data for many other financial institutions are also available at this Web site.
2021 and 2022 Modified HMDA LAR can be located on the Consumer Financial Protection Bureau's website by entering the bank's name in the Institution Name search box.
Printed versions of our public file can be provided upon request. The bank may charge a reasonable fee to cover the cost of printing and mailing.