COMMUNITY DEVELOPMENT BANKERS ASSOCIATION

Community Development Bankers Association 1444 I St NW, Washington, D.C. 20005

(202) 689-8935

COMMUNITY DEVELOPMENT BANKERS ASSOCIATION

WE HELP BANKS TELL THEIR STORIES

ROYAL TRUCKING

BANK OF VERNON (VERNON, AL)

Royal Trucking, a freight trucking company located in a county with high

poverty and unemployment, needed to replace part of its fleet. In 2013,

Bank of Vernon stepped in to help Royal finance the new trailers and

tractors it needed. The bank structured a flexible low down payment loan

which enabled Royal Trucking to manage cash flow and retain its 229

employees in a tough economy.

MUDSHARK STUDIOS

ALBINA COMMUNITY BANK (PORTLAND, OR)

Seven years ago, Albina Bank made a loan to local start up Mudshark

Studios, a ceramics facility located in a distressed neighborhood. They had

trouble obtaining a bank loan until reaching out to Albina. But with

Albina’s help, Mudshark has grown from four to 28 employees and

customers now include national lighting and tile retailers. Mudshark

received Martha Stewarts’ American Made Award in 2013.

MURPHY’S MARKET

NEIGHBORHOOD NATIONAL BANK (NATIONAL CITY, CA)

At the height of the recession, few lenders were interested in new

construction, particularly in economically troubled neighborhoods like San

Diego’s City Heights. But Neighborhood National Bank made a loan to

independent grocery store Murphy’s Market, making it possible for the

store move to a new store twice its old size. The larger store offers healthy

food options and has sparked revitalization of the surrounding area.

ATLAS PERFORMING ARTS CENTER

CITY FIRST BANK OF D.C. (WASHINGTON, D.C.)

Opened in 1938, the Art Moderne Atlas Theater seated nearly 1,000

patrons in its heyday, but the building fell into neglect and decay. In 2005,

The Atlas Performing Arts Center and City First Bank of DC leveraged New

Market Tax Credits and Historic Tax Credits to transform the dilapidated

theater into a 58,000 sq. ft. community arts center. The Atlas Theater now

hosts performances by local arts organizations and is the cornerstone for

the revitalization of its neighborhood.

THE VOICE OF COMMUNITY DEVELOPMENT BANKS

ABOUT

CDBA

Front cover (clockwise from top

left):

A client and caregiver at the

Riverside PACE Center, a client of

Virginia Community Capital’s

subsidiary, Community Capital

Bank of Virginia

Urban Homeworks, a Sunrise

Banks customer, helped the

Brasson family become

homeowners

Inner City Advisors, a Beneficial

State Bank customer that

specializes in small business

advising

Huey Townsend of Guaranty

Bank and Trust visits borrowers at

Rosemary’s Daycare

Front and back cover background:

Lynchburg High Apartments,

affordable housing financed by

Virginia Community Capital’s

subsidiary, Community Capital

Bank of Virginia

Interior background :

Franz James Floral Boutique

collaborates with Spring Bank on

a neighborhood revitalization

initiative, the Frederick Douglass

Boulevard Alliance

(Photo © 2014, Sarah Poyet)

WHO WE ARE

Community Development Bankers Association (CDBA) is the national trade

association of the community development banking sector. We are the

voice and champion of banks and thrifts with a mission of serving low and

moderate income communities. We educate policy makers, regulators,

legislators, and the general public on the importance of community

development banks, the unique circumstances under which they operate,

and their special needs.

CDBA MEMBERSHIP

All CDFI-Certified banks and thrifts are eligible to join CDBA. Our banks are

a diverse group, operating in urban, rural, and Native American

communities often not adequately serviced by the mainstream financial

industry. All members are double bottom line enterprises that balance

margin and mission. Membership dues are affordable and are structured

by bank asset size.

POLICY ADVOCACY

CDBA has a proven track record of effectiveness in educating policy

makers and key stakeholders on the CDFI bank sector. CDBA works with

the U.S. Department of the Treasury, bank regulatory agencies, and Capitol

Hill to ensure stakeholders understand the needs of low and moderate

income communities and the CDFI banks that serve them on a range of

issues – from community reinvestment to the impact of regulation to

available program resources. We strongly encourage members to engage

and participate in shaping the policy agenda for the sector.

THE CDBA PEER FORUM

The CDBA Peer Forum is an annual two day roundtable discussion held in

Washington, D.C. Organized as a peer-to-peer exchange, the gathering is

assembled by and for CDFI bank senior executives to share best practices,

discuss common concerns, and network among peers. Unlike a traditional

open conference gathering, this event is structured as a “by-invitation”

meeting to provide an open-forum for honest discussion.

BE INFORMED

CDBA constantly works to keep its members up-to-date on current issues

in the CDFI bank sector with regular member update conference calls,

quarterly reports on industry performance, special reports, real time

updates on important policy developments, and the CDBA Newsflash, a

weekly email update that compiles the most relevant community

development banking news.

COMMUNITY BANKS INITIATIVE

(FIRST EAGLE BANK)

The Community Banks Initiative, a partnership between

Neighborhood Housings Services of Chicago and banks including

First Eagle, helps families become first-time homeowners. The

Shirks had been squeezing their six family members into a

cramped apartment until the Community Banks Initiative secured

them a grant from the Federal Home Loan Bank, enabling them

to move into a house of their own.

KIPP DELTA CHARTER SCHOOL

SOUTHERN BANCORP (LITTLE ROCK, AR)

Educational attainment and graduation rates in Helena, Arkansas

significantly lag the nation and perpetuate chronic poverty. With

a goal of improving education outcomes, Southern Bancorp has

made a series of facility construction loans to the KIPP Charter

School. The KIPP School is changing the dynamic of education for

their students and has outperformed nearly all schools in

Arkansas while serving several hundred students in the second

poorest county in the state, doubling the number of teens

headed to college.

TRICE CONSTRUCTION COMPANY

URBAN PARTNERSHIP BANK (CHICAGO, IL)

An estimated 23 million people nationwide live in food deserts—

communities with limited access to fresh, healthy, affordable

food. Many feared that number would increase on Chicago’s

South Side, where fresh food options dwindled after a major

supermarket chain closed. But thanks to financing Trice

Construction Co. received from Urban Partnership Bank, the area

is now a food oasis. Trice was a key player in the construction of

Mariano’s, a market specializing in affordable fresh, local food.

The new store has added 425 new jobs to the local economy.

SIMMONS CATFISH

BANKPLUS (RIDGELAND, MS)

For over 20 years, Simmons Catfish has been one of the largest

farmers, producers and distributors of catfish in the Mississippi

Delta region. Humphreys County, where it is headquartered, is

known as the “catfish capital of the world”; but it is also the 56th

poorest county in the nation. BankPlus has helped the company

to grow and compete in a market with increasing foreign

competition. Simmons now employs over 200 people, vital jobs in

the high-unemployment region.

To see examples of CDBA advocacy, visit www.cdbanks.org. To become a member,

contact Caitlin Krutsinger at krutsingerc@pcgloanfund.org or (202) 689-8935 x 224