Small bank lending and community development tests are type of performance standard the agencies generally do to determine an intermediate small bank's cra rating.
The Community Reinvestment Act (CRA) was passed in 1977 to stop redlining and to compel banks and savings associations (collectively, banks) to assist in supplying credit to all areas of their communities, including low- and moderate-income communities and individual customers.
A bank receives one of four CRA ratings from the OCC:
• Outstanding
• Satisfactory
• Needs to Improve,
• Substantial Noncompliance.
Small banks that are not intermediate small banks are evaluated using a simplified process that focuses mostly on how well they lend money.
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