The CRA regulations (Regulation BB) do not specify exactly how much weight would be given to qualified investments in an institution’s CRA rating. The investment performance component of the CRA rating is just one of three components of a CRA rating (though we note that the investment component is more significant for banks examined under the large bank examination standards, which would apply to your bank, than it would be under the small bank examination standards, which applied to your bank in the past). 12 CFR 228.21. The CRA regulations (Regulation BB) specify the following criteria for the evaluation of a bank’s investment performance:
(1) The dollar amount of qualified investments;
(2) The innovativeness or complexity of qualified investments;
(3) The responsiveness of qualified investments to credit and community development needs; and
(4) The degree to which the qualified investments are not routinely provided by private investors.
Appendix A to the regulations details how these criteria would result in each CRA rating (outstanding, high satisfactory, low satisfactory, needs to improve, or substantial noncompliance).