-5-  It starts by creating two tests: a retail test and community development test (figure 1). Broadly speaking, all retail banks would be evaluated under a retail test, which would assess a bank’s record of providing retail loans and retail banking services in its assessment areas.
Large banks, as well as wholesale and limited-purpose banks, would also be evaluated under a separate community development test that would evaluate a bank’s record of providing community development loans, qualified investments, and services.