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Community Reinvestment Act Public File

At New Tripoli Bank we strive to make a positive impact on our local communities. We are committed to meeting the financial needs of our communities, including all low and moderate income and minority areas. New Tripoli Bank is pleased to provide information under the Community Reinvestment Act (CRA).

The CRA was enacted in 1977 and established a framework and criteria by which the FDIC assesses the Bank’s record of responding to the credit needs of its entire community, including low and moderate income neighborhoods consistent with safe and sound operations of the Bank.

New Tripoli Bank’s most recent CRA Performance Evaluation was completed in 2023 by the Federal Reserve Bank of Philadelphia and resulted in a Satisfactory rating.

New Tripoli Bank’s CRA Public File includes the following:

New Tripoli Bank has not opened or closed any branch offices in the last 2 years.

The following are Personal products that help meet the community deposit needs:

Checking Accounts

Checking anytime, anywhere. New Tripoli Bank makes it simple!

Personal Checking
Interest Checking
SWEEP Checking

Savings & Money Market Accounts

Whatever your goals may be, you can expect the most from our savings and money market accounts!

    Statement Savings
    Money Market
    Christmas Club

    Certificates & IRAs

    We understand that it takes careful planning to ensure financial security. Keeping this in mind, we have many attractive Individual Retirement Account options as well as competitive interest rates for CD’s!

    Certificate of Deposit
    Traditional IRA
    Roth IRA
    Coverdell Educational IRA
    IRA Savings Account
    IRA Variable Account
    IRA Certificates of Deposit

    The following are Personal services that help meet the community Home Loan needs:

    Loan Options

    Fixed Rate Mortgage
    Construction – Permanent
    Home Equity Line of Credit
    Home Equity Loans

    Homebuyer Assistance

    First-Time Homebuyers Program
    First Front Door Homebuyer Grant

    The following are Personal services that help meet the community needs:

    Online & Mobile Banking

    Fast, flexible, and free! Access your account at your fingertips with online and mobile banking.

    ATM & Debit Cards

    Use your ATM/Mastercard ® Debit Card to unlock endless possibilities right at your fingertips.

    Branch Services

    New Tripoli Bank offers additional bank services to better meet the needs of their customers, whatever they may be!

    The following are Personal services that help meet the community Home Loan needs:

    Loan Options

    Fixed Rate Mortgage
    Construction – Permanent
    Home Equity Line of Credit
    Home Equity Loans

    Home Buyer Assistance

    First-Time Homebuyers Program
    First Front Door Homebuyer Grant

    Calculators

    Mortgage Calculator
    Loan Payment Calculator
    Loan Balance Calculator
    Retirement Calculator

    The Bank (471702) as well as the required staff maintains an active NMLS Identification Number.

    The following are Business services that help meet the community deposit needs:

    Business Checking

    We offer a variety of business checking account options designed to meet your business.

    Business Checking
    Business Interest Checking
    Business SWEEP Checking

    Business Savings & Money Market

    Whatever the goals of your organization, we offer business savings accounts that meet your needs.

    Business Statement Savings
    Business Money Market

    Certificate of Deposits & IRAs

    Competitive interest rates, a wide range of maturity dates and endless resources, all with our Certificates of Deposit (CD) and IRA plans.

    Certificate of Deposit
    Simplified Employee Pensions (SEPs)

    The following are Business Lending services that help meet the community needs:

    Term Loans
    Commercial Mortgages
    Commercial Lines of Credit
    Interest-Only Demand Loans
    Credit Cards

    The following are Business Cash Management services that help meet the community needs:

    Merchant Credit Card Processing*
    Remote Deposit Capture
    ACH Origination Services
    Positive Pay

    *© 2025 Clover Network, LLC. The Clover name and logo are registered trademarks are owned by Clover Network, LLC and are registered or used in the U.S. and many foreign countries. Use of Clover requires a Merchant Processing Agreement with First Data Merchant Services LLC. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.

    The following are Business services that help meet the community needs:

    Online, Mobile Banking & Bill Pay
    Debit Cards
    Branch Services
    BOI Reporting

    The Bank’s Community page of its website includes the following:

    Testimonials – See what our customers have to say
    Events – A guide to upcoming events in our community
    Blog – Empowering our customers to make smarter financial decisions
    News – Stay informed on what’s happening with New Tripoli Bank
    CRA Public File – How we demonstrate we meet the needs of our community

    The Bank’s Resource Center of its website includes the following:

    Security News
    Ransomware
    COVID-19 Fraud & Scams
    Identity Theft
    Frauds, Scams & Phishing
    Elder Financial Exploitation
    Cybersecurity
    Unemployment Compensation Fraud
    ATM Safety
    Avoiding Wire Transfer Fraud
    Corporate Account Takeover
    Cell Phone Security

    Calculators

    Mortgage Calculator
    Loan Payment Calculator
    Loan Balance Calculator
    Retirement Calculator

    The Bank’s Tools section of its website includes the following:

    FAQs
    Calculators
    Card Secure
    Apple Pay & Google Pay

    The Bank’s Forms section of its website includes the following:

    Downloadable Forms

    Change of Address/Email
    Bank Switch Kit
    Travel Notification
    EFT Dispute Form
    Dealing with a death in the family

    Deposit Account Application

    Consumer Loan Inquiry

    Business Loan Inquiry

    The Bank’s website has the following Disclosures publicly available:

    Truth in Savings
    Funds Availability Policy
    Privacy Policy
    Terms & Conditions of Your Account
    Electronic Funds Transfer
    Substitute Check Disclosure
    Overdraft Services Policy
    Error Resolution Notice

    The Bank has a section dedicated to the Veterans Benefits Banking Program (VBBP) which includes products tailor made for service members and their families.

    New Tripoli Bank offers a wide array of deposit products to help veterans, beneficiaries, survivors and caregivers save their money. All of our accounts offer safe direct deposit for VA benefits and free, easy access to our online and mobile banking. Our employees are friendly, knowledgeable, and ready to help you start banking the right way.

    Table - Fee Schedule (Rate Table)
    ServiceFee
    Account Inactivity$5.00
    Account Maintenance$10.00
    Account Reconciliation*$20.00 per hour 1 hour minimum (no charge in case of bank error)
    Account Research$20.00 per hour 1 hour minimum
    ATM/Debit Card Replacement$10.00
    Bank Statement Copy$3.00
    Bulk Coin Order$15.00 per order
    Cashier's Check$5.00
    Certified Check$10.00
    Check Collection$5.00
    Check Printing Charge

    fee depends on style of checks ordered

    Copy of an Item$3.00
    Escheatment$50.00 per account
    Expediated Debit Card$40.00
    Foreign Currency Processing$20.00 per currency type per order
    Garnishment/Levy$100.00
    HH Bond Redemption$25.00 per transaction
    Insufficient Funds$30.00 per presentment
    International Check Processing$20.00 per check
    Medallion Stamp$10.00 per stamp
    Money Orders$5.00
    Official Check$5.00
    Overdraft Privilege†$30.00 per presentment
    Overdraft ProtectionFree Transfers
    Photocopies$0.50
    Positive Pay$50 per month per account
    Remote Deposit Capture$25.00 per month
    Returned Check$15.00
    Safe Deposit BoxPrice varies based on size of box
    Safe Deposit Box (90 day) Late Payment Fee$10.00
    Safe Deposit Box Drill Lock$200.00
    Safe Deposit Box Lost Key$20.00
    Stop Payment$25.00
    Stop Payment Renewal$25.00
    Temporary Checks$1.00 per sheet
    Uncollected Funds Charge$10.00
    Undeliverable Mail$5.00 per piece
    Wire In Charge$10.00
    Wire Out Domestic$20.00
    Wire Out Foreign$40.00

      2025 Loan-to-Deposit Ratios

      • First Quarter 2025 – 87.82%
      • Second Quarter 2025 – 90.04%
      • Third Quarter 2025 – 87.91%
      • Fourth Quarter 2025 – 88.41%

      2024 Loan-to-Deposit Ratios

      • First Quarter 2024 – 87.48%
      • Second Quarter 2024 – 87.09%
      • Third Quarter 2024 – 86.26%
      • Fourth Quarter 2024 – 86.12%

      HMDA Disclosure

      The HMDA data about our residential mortgage lending is available online for review.

      This data shows the geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals/denials.

      HMDA data for many other financial institutions is also available online.

      For more information, visit the Consumer Financial Protection Bureau (CFPB) or the Federal Financial Institutions Examination Council (FFIEC) web sites.

      For the current and the previous two years, the Bank has not received any written comments relative to the Community Reinvestment Act from the public.

      New Tripoli Bank puts out an annual Community Outreach & Impact Report to inform our shareholders, employees, and public about our efforts to support our community.

       

      New Tripoli Bank is involved with the Pennsylvania Supreme Court's Interest on Lawyers' Trust Accounts (IOLTA) program.

       

      The Bank’s website includes Rates for both Deposit and Loan products.

      • Learn more about deposit rates
      • Learn more about loan rates

      New Tripoli Bank has maintained a 5-star rating from Bauer Financial since 2016.

      Bauer Financial Report as of 12/31/2025

       

      If you would like to view our CRA documents, please contact us and we will provide you a copy free of charge.

      Any comments or inquiries regarding the CRA performance of New Tripoli Bank can be directed to:

      Michelle Vineburg bio photo

      Michelle Vineburg

      Vice President, Compliance Officer

      Email:

      Phone: 610-421-4001

      Fax:

      NMLS: