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Community Reinvestment Act Public File


The Community Reinvestment Act (CRA) of 1977 encourages banks to help meet the credit needs of the communities they serve, including low- and moderate-income communities.

The information below is current as of March 31 of each year. If you are interested in additional information, please contact us.

Public Comments

No public comments have been received for the current year or the prior two calendar years as of March 31, 2024. The Bank may, at its discretion, periodically update this to include public comments received after the annual March 31 update.

CRA Performance Evaluation

Branch Locations and Hours of Operation as of March 31, 2024

Mid-Southern Savings Bank, FSB Locations

Assessment Areas

The following areas represent the communities Mid-Southern Savings Bank, FSB serves. Maps and Census tract information are included.

Washington County

Lawrence County

Orange County

Products and Services

Our Personal Banking products include checking, savings, card services, and loans.

For business customers, we also offer checking and savings accounts, as well as card services and loans.

Our Fee Schedule is a list of our transaction fees and cost of services.

Home Mortgage Disclosure Act Notice (HMDA)

The HMDA data about our residential mortgage lending are available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; as well as information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website ( or the Federal Financial Institutions Examination Council website (

CRA Public File Requests

Mid-Southern Savings Bank, FSB can provide copies of the CRA Public File. Please keep in mind, we may charge a fee to cover copying and mailing cost. Requests can be sent to

Mid-Southern Savings Bank Loan to Deposit Ratios