Community Reinvestment Act (CRA)

The Community Reinvestment Act (CRA), enacted in 1977, requires the Federal Reserve and other federal banking regulators to encourage financial institutions to help meet the credit needs of the communities in which they do business, including low- and moderate-income (LMI) neighborhoods.

In accordance with the Community Reinvestment Act (CRA) regulation, Ozarks Federal Savings and Loan Association maintains and makes available for public inspection a complete copy of its CRA Public File, current as of April 1st each year.

The CRA Public File can also be obtained in hard copy form. If you would like to receive a hard copy of this file, please email or send a written request to:

Ozarks Federal Savings and Loan Assoc.
Attn: CRA Officer
2 East Columbia Street
Farmington, MO 63640

In the request, please include your first and last name, mailing address, and a contact number.

Ozarks Federal has served our local communities and the surrounding areas unfailingly since 1930.


CRA Public File

Acceptable Loans

Read/Print Acceptable Loans

Account Features and Fee Schedule

Read/Print Account Features and Fee Schedule

Account Matrix

Read/Print Account Matrix

Assessment Area Census Tracts

Read/Print Assessment Area Census Tracts

CRA Notice

Read/Print CRA Notice

CRA Performance Review

Read/Print CRA Performance Review

HMDA Disclosure Notice

Read/Print HMDA Disclosure Notice

Loan-to-Deposit Ratios

Read/Print Loan-to-Deposit Ratios

Iron County Census Map

Read/Print Iron County Census Map

Jefferson County Census Map

Read/Print Jefferson County Census Map

Madison County Census Map

Read/Print Madison County Census Map

St. Francois Census Map

Read/Print St. Francois Census Map

Washington County Census Map

Read/Print Washington County Census Map

Ozarks Federal Savings and Loan

Locations and Hours

Facebook Instagram Careers
Back to Top