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.