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FNB Receives Second Consecutive ‘Outstanding’ CRA Rating

FNB Receives Second Consecutive ‘Outstanding’ CRA Rating

For a refugee family, a single mother, or a disabled veteran, having a place to call home can feel like a dream that’s out of reach. Without a stable source of income, the threat of homelessness is real. Those worries are put to rest with Greater Sioux Falls Habitat for Humanity, a non-profit Christian housing ministry dedicated to making sure everyone has a place to live.

First National Bank employees are proud to support the mission of Habitat for Humanity, and many volunteer to serve within the organization.

FNB Loan Operations Manager Yvette Christion is a member of the Board of Directors and Finance Committee for Greater Sioux Falls Habitat for Humanity. For Christion, giving of her time and talents by volunteering with Habitat for Humanity has been all about reinvesting in the community.

“The world is evolving and so is our function as finance professionals,” Christion said. “We are not just bankers; we are advisors. I use the knowledge I have accumulated here at the Bank to help families’ dreams of owning a home become a reality.”

Stories like this have been a part of the Bank since 1885. We’ve always believed that our success depends on the success of our communities. We are focused on reinvesting in our communities with our ideas, time, talents, and treasures to make them better places to live.

From 2016-2018, 51 of our 270 employees volunteered 2,788 hours with more than 25 non-profit service organizations aimed at benefiting low- to moderate-income individuals. Our bankers originated 30 Community Development (CD) loans totaling $41.5 million, in addition to the Bank’s $12.4 million in CD investments and donations during that same period.

This stewardship-driven culture has led to The First National Bank in Sioux Falls receiving its second consecutive ‘Outstanding’ rating on our Community Reinvestment Act (CRA) examination by the Office of the Comptroller of Currency.

The CRA is a federal law enacted in 1977. The law encourages banking institutions to help meet the credit needs of the communities in which they operate, specifically to benefit low- and moderate-income individuals and areas. Financial institutions receive a rating based on their investments, service, and loans to these individuals and areas, determined by an examination covering a three-year period.

“We are extraordinary stewards, builders, and sustainers of the community we are so incredibly fortunate to have here in Sioux Falls and the surrounding areas we serve,” FNB Chairman Bill Baker said.

FNB has a legacy of reinvesting in our communities. We will continue to give back now and into the future.

“The Bank emphasizes the importance of reinvesting in the community while allowing us as employees to step out of our comfort zones and gain a greater appreciation for the world around us,” Christion said.

Our five core values inspire us to build successful relationships with the Sioux Falls area and give back. As a result, we have a culture committed to lending and investing in the community.

Give us a call today, and experience our commitment to not only our customers, but our community.


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The following article is shared with permission from the Greater Sioux Falls Chamber of Commerce.

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