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Community

We Support the communities we serve.

社區

我們支持我們所服務的社區

社区

我们支持我们所服务的社区

Community Reinvestment

CTBC Bank actively promotes efforts to help meet the credit needs of its entire community. Community reinvestment efforts are focused on the following areas: Affordable Housing, Community Services (including financial education), and Economic Development (including job training and creation).

CTBC Bank’s Focus on Community

CTBC Bank partners with many different local non-profit organizations throughout the communities we serve in California, New York, and New Jersey. In addition to the financial support that the Bank provides to these important community partners, CTBC Bank also encourages its employees to provide outreach and volunteer their time annually in a variety of different ways that include helping to teach financial literacy and providing technical assistance.

CTBC Bank makes loans and investments that support affordable housing, small businesses, non-profit organizations, and job retention and creation within the communities we serve, including low- and moderate- income individuals and families.

CTBC Bank is committed to helping the community, including the underserved, prosper and thrive. “We are Family” is more than a commitment, it is a core value and sums up the spirit of CTBC Bank.

CRA Public File

01. Public Comments 
Public Comments
02. CRA Performance Evaluation
2023 CRA Performance Evaluation Report Public File
03. Assessment Areas and Maps

3 Assessment Areas reviewed_01.31.2022

Legend

New Jersey Branch Map Assessment Area

New Jersey Demographic Data

New York Branch Map Assessment Area

New York Demographic Data

Northern California Branch Map Assessment Area

Northern California Demographic Data

Southern California Branch Map Assessment Area1

Southern California Branch Map Assessment Area2

Southern California Branch Map Assessment Area3

Southern California Demographic Data

04. Branch Locations and Services

CTBC Branch Office Locations 06.30.23

CTBC Branch Offices & ATMs 06.30.23

05. Branch Openings and Closings
CTBC Branches 06.30.23
06. Products and Services
Products and Services
07. CRA Disclosure Statements

The CTBC Bank CRA Disclosure Statements are available for review at the Federal Financial Institution Examination Council (FFIEC) website. To view the Disclosure Statement, follow the link below and enter the year you wish to review and the Respondent ID or Institution Name.

CTBC Bank reported data

Respondent ID: 0000019416

Institution Name: CTBC Bank

08. HMDA Disclosure Statement
HMDA Disclosure Statement

2023

California Council on Economic Education - Personal Finance Challenge

The California Council on Economic Education (CCEE) provides economics and financial literacy training and resources to K-12 teachers, students, and their families throughout California, especially in underserved communities. CCEE’s overarching mission is to help California’s students make better financial and personal decisions thereby improving their ability to succeed and compete in the global economy.
The California Council on Economic Education (CCEE) sponsored their annual National Personal Finance Challenge. The PFC engages students in a practical, critical thinking application of their knowledge and understanding of personal finance in a competitive setting, with a path to compete against students from across the country. Each year, hundreds of California students and teams participate in the challenge.

Teams are comprised of three to four students and begin with an online preliminary. At this year’s state finals held at the Federal Reserve Bank located in Downtown Los Angeles, teams were given a fictional case-study of an individual, couple or household with various financial challenges and goals, and the students prepare a financial plan for this client and deliver a presentation to a panel of judges. Student teams have not seen or prepared these financial plans prior to the state finals.

CTBC CRA Officer, Robert De Acevedo, and Community Outreach Officer, Linda Maldonado, joined other Bankers from Los Angeles to serve as Presentation Judges for this event. As Judges, they had the responsibility of evaluating the live student presentations for the contest final at the venue location. Following an extensive evaluation and scoring matrix, the winning team will receive cash prizes as well as advance to the national semi-finals.

 CCEE
CRA Officer, Robert De Acevedo (right 2), Community Outreach Officer, Linda Maldonado (left 5), along with a team of students at the California Council on Economic Education Personal Finance Challenge event on April 12, 2023.

Junior Achievement – New York Finance Simulation

Junior Achievement's purpose is to inspire and prepare young people to succeed in a global economy.

Junior Achievement is the nation's largest organization dedicated to giving young people the knowledge and skills they need to own their economic success, plan for their futures, and make smart academic and economic choices.

JA's programs—in the core content areas of work readiness, entrepreneurship, and financial literacy—ignite the spark in young people to experience and realize the opportunities and realities of work and life in the 21st century.

 JA_NY
Flushing Branch’s Jack Lin and Katherine Cai (CRE 163) joined a team of volunteers at the new JA Brooklyn site located at 1 Dekalb Ave, Brooklyn, NY 11201. Students from Roosevelt High School received hands on insight on budgeting and financial literacy.

Junior Achievement – Southern California - CRA Day

Junior Achievement USA is a nonprofit that inspires and prepares young people for success. JA partners with corporations and individuals to fund the programs that are delivered to local students in low to – moderate income neighborhoods. In-person or Virtual opportunities are available to which volunteers, along with Junior Achievement staff, make a profound difference in the youth of our community.

One Thursday in May, nineteen (19) CTBC Bank USA staffs hosted approximately 60 11th graders from Panorama High School to execute a household budget simulation. Each student was provided with a tablet, an avatar, and an assigned family scenario. Each CTBC Bank USA team was partnered with up to 4-5 students to replicate the budget experience. In addition, students got a chance to visit business storefronts, as well as purchase items to meet the needs of their family, such as insurance, clothing, transportation, housing, groceries, and childcare – without spending more than they earn.

By the end of the day, students get the opportunity to have a hands-on learning experience that the JA programs provide. Not only did CTBC Bank USA provide budgeting and savings tips but also got a chance to share their professional or personal experiences that align with JA program content which helps students see how JA can help them achieve their dreams!

 JA_SoCal  JA_SoCal
Nineteen (19) CTBC Bank USA staff attended the J.A. Finance Park to provide budgeting and savings tips and got a chance to share their professional or personal experiences with the students.
11th graders from Panorama High School

2022

Montebello Housing Development Corporation

CTBC Bank USA is pleased to present a donation of $10,000 to Montebello Housing Development Corporation. This contribution is in support of financial literacy and homebuyer education workshops aimed at individuals and families of low- and moderate- income (LMI) who wish to become first-time homebuyers.

 CRA - 1  CRA - 2 CRA - 3 
Anne Vilagut, Operations Manager, Montebello Housing Development Corp (MHDC)., Karla Paniagua, Administrative Assistant, Montebello Housing Development Corp, Robert De Acevedo, SVP & CRA Officer, CTBC Bank USA, Esther Sanchez, Administrative Assistant, Montebello Housing Development Corp,, Linda Maldonado, CRA Analyst, CTBC Bank USA, Robert Monzon, President, Montebello Housing Development Corp. 
Anne Vilagut, Operations Manager, Montebello Housing Development Corp., Lesly Gonzalez, Program Assistant, Montebello Housing Development Corp., Karla Paniagua, Administrative Assistant, Montebello Housing Development Corp, Esther Sanchez, Administrative Assistant, Montebello Housing Development Corp Robert Monzon, President, Montebello Housing Development Corp. 
Lesly Gonzalez, Program Assistant, Anne Vilagut, Operations Manager, Montebello Housing Development Corp., Karla Paniagua, Administrative Assistant, Montebello Housing Development Corp., Robert De Acevedo, SVP & CRA Officer, CTBC Bank USA, Esther Sanchez, Administrative Assistant, Montebello Housing Development Corp., Linda Maldonado, CRA Analyst, CTBC Bank USA, Robert Monzon, President, Montebello Housing Development Corp.

Asian Pacific Community Fund

CTBC Bank USA is pleased to present a donation of $1,000 to the Asian Pacific Community Fund. This contribution is in support of the America Saves Local Campaign – LA Saves.

 CRA - APCF1  CRA - APCF2
Linda Maldonado, CRA, CTBC Bank USA, Robert De Acevedo, SVP & CRA Officer, CTBC Bank USA, Chun Yen Chen, Executive Director, Asian Pacific Community Fund and Karen Fan, Operations Manager, Asian Pacific Community Fund.
Robert De Acevedo, SVP & CRA Officer, CTBC Bank USA, Chun Yen Chen, Executive Director, Asian Pacific Community Fund, Linda Maldonado, CRA, CTBC Bank USA

Shelter Partnership Inc.

CTBC Bank USA is pleased to enclose a donation of $2,500 to Shelter Partnership. This contribution is in support of your efforts to serve homeless people across Los Angeles County.

 CRA - SPI1  CRA - SPI2
Robert De Acevedo, SVP & CRA Officer, CTBC Bank, Councilwoman Jan Perry, Executive Director, Shelter Partnership Inc.
Robert De Acevedo, SVP & CRA Officer, CTBC Bank USA, Councilwoman Jan Perry, Executive Director, Shelter Partnership Inc., Linda Maldonado, CRA, CTBC Bank USA 

Children's Hospital Los Angeles

CTBC Bank USA is pleased to present a donation of $10,000 to Children’s Hospital Los Angeles. This contribution supports low-income children and families treated at the Children’s Orthopedic Center.

 CRA - CHLA
Tiffanie Al-Nasser, Associate Vice President, Development Children's Hospital Los Angeles and Noor Menai, President & CEO, CTBC Bank USA

DEA Educational Foundation

CTBC Bank USA is pleased to support DEA Educational Foundation with a donation in the amount of $10,000. CTBC Bank applauds the work of the DEA Educational Foundation which continues its efforts in meeting the needs of underserved communities.

 CRA - DEA
Robert De Acevedo, SVP & CRA Officer, CTBC Bank USA, Jill Roberts, President & CEO, DEA Educational Foundation, Linda Maldonado, CRA Analyst, CTBC Bank USA

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