As NCIF has grown and evolved, we plan to invest and lend to selective banks and non-bank companies that can increase capital in underserved areas naturally. The following is a cumulative list of NCIF Investees since inception. Through the work of these institutions, NCIF helps transform low-income communities.
Equity, Debt, Deposits and Investments:
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Broadway Federal Bank Los Angeles, CA – CDFI, MDI DLI-HMDA: 47.30% DDI: 66.67%
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Metro Bank Louisville, KY – CDFI, MDI DLI-HMDA: NA DDI: 100.00% |
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Carver Federal Savings Bank New York, NY – CDFI, MDI DLI-HMDA: 60.21% DDI: 80.00%
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Mission Community Bank Acquired by Heritage Oaks Bank Paso Robles, CA |
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Citizens Savings Bank & Trust Co Nashville, TN – CDFI, MDI DLI-HMDA: 100.00% DDI: 100.00%
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New York National Bank Acquired by Hudson Valley Bank Bronx, NY |
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Citizens Trust Bank Atlanta, GA – CDFI, MDI DLI-HMDA: 92.93% DDI: 80.00%
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Noah Bank Elkins Park, PA – CDFI, MDI DLI-HMDA: 100.00% DDI: 20.00% |
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City First Bank of DC Washington, DC – CDFI DLI-HMDA: 100% DDI: 100.00%
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Nuestro Banco Acquired by Four Oaks Fincorp Raleigh, NC
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City National Bank of New Jersey Newark, NJ – CDFI, MDI DLI-HMDA: NA DDI: 80.00%
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OneUnited Bank Boston, MA – CDFI, MDI DLI-HMDA: 71.37% DDI: 75.00%
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Community Bank of the Bay Oaklnad, CA – CDFI DLI-HMDA: 29.67% DDI: 50.00%
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PRAXIS/Azteca Austin, TX
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Continental National Bank Miami, FL – CDFI, MDI DLI-HMDA: 48.27% DDI: 83.33% |
South Carolina Community Bank Columbia, SC – CDFI, MDI DLI-HMDA: 79.18% DDI: 100.00%
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Douglass Bancorp Acquired by Liberty Financial Services Kansas City, KS |
Southern Bancorp Arkadelphia, AR – CDFI DLI-HMDA: 70.09% DDI: 88.10%
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Dryades Savings Bank Acquired by First NBC Holding Company New Orleans, LA
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Sunrise Banks Saint Paul, MN – CDFI DLI-HMDA: 58.20% DDI: 85.71%
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First American International Bank New York, NY – CDFI, MDI DLI-HMDA: 55.65% DDI: 88.89% |
United Bank Atmore, AL – CDFI DLI-HMDA: 53.50% DDI: 44.44%
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Harbor Bank of Maryland Baltimore, MD – CDFI, MDI DLI-HMDA: 35.48% DDI: 85.71% |
United Bank of Philadelphia Philadelphia, PA – CDFI, MDI DLI-HMDA: NA DDI: 100.00%
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Hawaiian Community Assets Maui, MI
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Unity National Bank of Houston Houston, TX – CDFI, MDI DLI-HMDA: 80.25% DDI: 100.00%
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Industrial Bank Washington, DC – CDFI, MDI DLI-HMDA: 71.56% DDI: 87.50%
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University Financial Corp. St. Paul, MN |
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Liberty Bank & Trust Company New Orleans, LA – CDFI, MDI DLI-HMDA: 59.68% DDI: 90.48%
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Urban Financial Group Bridgeport, CT |
Secondary Capital to Credit Unions:
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Alternatives Federal Credit Union Ithaca, NY – CDFI
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National Federation of Community New York, NY – CDFI
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Appalachian Federal Credit Union Acquired by Appalachian Community FCU Berea, KY – CDFI
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Opportunities Credit Union Burlington, VT – CDFI
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Dakotaland Federal Credit Union Huron, SD – CDFI
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Saguache County Credit Union Moffat, CO – CDFI
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Latino Community Credit Union Statewide, NC – CDFI, MDI
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Southern Oregon Federal Credit Union Acquired by First Community Credit Union Grants Pass, OR – CDFI
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Lower East Side People's Federal Credit Union New York, NY – CDFI, MDI
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Seed Fund Loan Portfolio:
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Blackfeet National Bank Acquired by Native American Bancorp Browning, MT– CDFI, MDI (Native American)
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Native American Bancorp Denver, CO – CDFI, MDI (Native American) DLI-HMDA: NA DDI: 100.00%
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Central Bank of Kansas City Kansas City, MO - CDFI DLI-HMDA: 24.98% DDI: 100.00% |
Oasis Bancshares Acquired by ST Financial Group Houston, TX – De novo bank
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CheckSpring Community Corporation Bronx, NY – De novo bank
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Valley Economic Development Center Pacoima Development Federal Credit Union Pacoima, CA
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City First Bank of DC Washington, DC – CDFI DLI-HMDA: 100% DDI: 100.00%
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NCIF Social Performance Metrics:
DDI: % of a bank’s branches located in low- and moderate-income communities.
DLI-HMDA: % a bank’s HMDA-reported lending occurring in low- and moderate-income areas.
Complete definitions.
All information is based on annual HMDA data (ffiec.gov), Census data, and annual Summary of Deposits data (fdic.gov), and Statistics on Depository Institutions (fdic.gov) as well as private reporting from banks where appropriate. DLI-HMDA and DDI are as of 2014. Financial data is as of 12/31/2015. All information is gathered from or calculated using publicly available data. NCIF is not responsible for any inaccuracy.