CRA Performance

Committed to our communities

We seek to fulfill the Community Reinvestment Act by lending and investing in projects that improve our communities.

Meeting community needs

The Community Reinvestment Act (CRA) was enacted in 1977 to encourage banks to help meet the credit needs of the communities in which they operate. BB&T has always been committed to meeting the credit needs of the communities we serve, seeking investment and charitable contribution opportunities and connecting with individuals and organizations in our communities through service activities and outreach programs.

Community development lending

Our community development lending (CDL) performance exhibits our commitment to meeting the credit needs of the communities we serve.

Community investments

BB&T works diligently with government agencies, tax-credit syndicates and nonprofits to seek investment and charitable contribution opportunities. Our corporate investments include Low-Income Housing Tax Credits (LIHTC), Historic Tax Credits (HTC), Small Business Investment Companies (SBIC), bonds and several other offerings. The majority of our investments support affordable, multifamily rental projects.

BB&T CDL totals

Year Amount
2018 $1.7 billion
2017 $2.2 billion
2016 $2.0 billion

BB&T CRA investment totals

Year Amount
2018 $675 million
2017 $665 million
2016 $608 million

Community development services

BB&T identifies and executes on corporate-level community development service initiatives to connect with individuals and organizations in our communities. The Community Reinvestment Act Service Manager works directly with the Community Development Manager and Specialists to execute on impactful service activities and outreach programs within the BB&T footprint in targeted areas, including: capacity building, financial education, asset building, micro/small business assistance and community development finance.

BB&T associates provide leadership to our communities in a number of ways, none more impactful than as members of more than 1,200 nonprofit boards and committees. In addition, associates provided qualified community development services to teach homeownership education, credit management, basic banking information and money/savings management. These services are offered to the low- to moderate-income community through partnerships with the many local governments and nonprofit organizations within the BB&T footprint.

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Related information

Community Development Councils

Community Development Councils bring greater interaction between community professionals and BB&T to provide a forum for community input and to discuss community needs.

Who We Are

BB&T is a values-driven company with a long history of helping clients achieve economic success and financial security. Learn more about our culture, focus on leadership and commitment to diversity.

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender. 

Loans, lines of credit and credit cards are subject to credit approval.