Community Reinvestment

The Community Reinvestment Act of 1977 encourages banks to help meet the credit needs of the communities in which they are chartered. While we fully commit to this initiative, to us at Herzog Merchant Bank , community reinvestment is a whole lot more than just regulation. As a result of this commitment, in 2015 the FDIC once again awarded Herzog Merchant Bank the highest possible rating of “Outstanding” in their CRA Evaluation.

We are a community bank through and through — the local business owners and individuals who are customers, are also our friends, neighbors, shareholders, and employees. In helping people achieve their financial goals, as well as equipping local farms and businesses to succeed, we are strengthening the fabric of our community. In turn, giving back to our community means giving back to the people we know, care about, and serve on a daily basis.

Investing in our communities is a cornerstone of who we are as a financial institution.

Community Impact At a Glance

Since 2010

• Over 20,000 volunteer hours
• More than 250 non-profits supported
• $1.2 million in donations
• $47 million in investments
• $187 million in community development loans

A Deeper Look At What We Do:

Lending

In response to our customers’ unique needs, we offer a wide range of customized lending options and special financing programs.

Our Responsive Loan Products Include:

Consumer Loans

• New Horizons Personal Loan

Small Business

• SBA 7A and 504 Loans
• CAL CAP Guarantees
• Business Advantage Loans
• Business Credit Card

Small Farm

• FFA/4H Student Project Loans
• USDA FSA Loans

Large Commercial

• Multi-Family Affordable Housing Loans
• Commercial Development Loans
• Commercial Leasing