This Community Reinvestment Act Statement defines the communities which Commercial State Bank considers to be its service areas and lists the types of loans which the bank is prepared to extend within those areas.
DEFINITION OF COMMUNITY: The community to be served by Commercial State Bank is the cities of Andrews, Midland, Seminole and Odessa and, Andrews, Midland, Gaines, Ector and Lubbock Counties as well as communities within the immediate area.
TYPE OF LOANS:
GENERAL POLICIES: It is the policy of Commercial State Bank to serve all credit worthy members of the Community Service Area without regard to any arbitrary lines which exclude any area of the communities.
In ascertaining the credit needs of the communities, civic clubs, the Chamber of Commerce, church groups, and community leaders were contacted to express their views on this matter. Commercial State Bank is convinced that the strongest indicators of how credit needs are being met in the communities it serves is through the loans being made as a result of the banks loan demand. The loan requests are acted upon without regard to the section of the community the applicant resides in.