St. Johns Bank is focused on meeting the needs of the communities it serves. Below you will find each of the components of the Bank's Community Reinvestment Act (CRA) Public File available for your review.
In compliance with CRA requirements, the following information is current as of December 22, 2025, and may be updated periodically.
Public Comments
ST JOHNS BANK & TRUST COMPANY COMMUNITY REINVESTMENT ACT PUBLIC FILE
SECTION I: PUBLIC COMMENTS & THE BANK’S RESPONSE TO THOSE COMMENTS RELATIVE TO CRA PERFORMANCE
There have been no written comments received from the public for the current year and each of the prior two calendar years that specifically relate to the bank’s performance in helping to meet community credit needs, and any response to the comments by the bank, if neither the comments nor the response contained statements that reflect adversely on the good name or reputation of any persons other than the bank or publication of which would violate specific provisions of law.
CRA Performance Evaluation
Branch Locations and Hours of Operation
Assessment Area and Census Tracts
Branch Openings and Closings
Retail Banking Services
Assessment Area Map
Loan and Deposit Products
Fee Schedule
Loan to Deposit Ratio
HMDA
HOME MORTGAGE DISCLOSURE ACT NOTICE
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. These data are available online at the Consumer Financial Protection Bureau’s Web Site (www.consumerfinance.gov/hmda). HMDA Data for many other financial institutions are also available at this Web Site.
