CRA Public File

The Farmers State Bank of Waupaca is pleased to provide information for public inspection under the Community Reinvestment Act (CRA). Interested parties may review the data provided and print hard copies of documents as needed. We are also able to provide you with printed copies of these documents, however, please note we may charge a reasonable fee to cover copying and mailing expenses. To request printed copies of these documents, please contact the CRA officer listed below.

Any comments or questions about the information provided in this section, or about Farmers State Bank's CRA performance, may be directed to the bank's CRA Officer, Richard Phillipsen:

Email: richardp@fsbwaupaca.com
Phone: 715-258-1384
Physical Mail: 112 W Fulton Street, Waupaca, WI 54981

The Community Reinvestment Act, enacted in 1977, encourages banks to help meet the credit needs of the communities in which they do business, including low - and moderate - income neighborhoods.

Under the CRA, the following information must be maintained in a public file, current as of April 1 of each year:

Public comments received regarding how the bank is helping to meet the community's credit needs for the current year and the prior two calendar years, including the banks response to those comments
A copy of the Public Evaluation of the bank's most recent CRA Performance Evaluation
Branch locations and hours
Branches opened or closed during the current year and prior two calendar years
A description of the products and services offered through Farmers State Bank
Bank fees
The Farmers State Bank's assessment areas that represent the communities we serve
The bank's loan to deposit ratio for each quarter of the prior calendar year