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Community Reinvestment Act (CRA) Public File Information


Our Commitment to the Community:

Bank of the Bluegrass & Trust Co. supports community development by adhering to the Community Reinvestment Act (CRA) of 1977, which encourages banks to help meet the credit needs of the communities in which they do business, including low- and moderate-income neighborhoods. We provide current public information as part of our ongoing commitment to community engagement and financial inclusion.

CRA Public File Contents:  
The file is updated quarterly and includes details current as of April 1st, 2024. While we’ve made every effort ensure that the linked files are accessible, some documents are not compatible with screen readers. If you are interested in those documents, please contact us contact us. We are happy to assist you.

CRA Performance Evaluation:  Access the latest CRA Performance Evaluation. Due to technical reasons, this document is not compatible with screen readers. However, if you are interested in this document, please contact us.

Branch Information, Branch and ATM Changes, Products and Services:  Detailed listings of branch and ATM locations, operational hours, and services offered.

Branch Locations and Hours of Operation:   View a comprehensive list of our branch and ATM locations, including street addresses and operating hours.

Branches Opened/Closed:  No branches opened/closed during the calendar years of 2022-2024.

Fees:  Explore our bank’s fee schedule for account products across all branches.

Products and Services:  

Assessment Areas:  View maps and tract listings that outline the specific areas we serve within the community.

Loan-to-Deposit Ratio:

Written Comments: 
All written comments received from the public for the current year and each of the prior two calendar years relating specifically to the bank’s performance in helping to meet community credit needs and response to the comments by the bank.

Additional Information: 
Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending.


CRA Public File Requests:

For inquiries or comments about our CRA performance, please contact us HERE, call (859) 233-4500, or by mail 101 E. High Street, Lexington, KY 40507.

Hard copies of the CRA Public File are available upon request. Please note, we may charge a fee to cover copying and mailing expenses. Please visit a Bank of the Bluegrass location for this request.

Last Updated:  4/1/2024