Community
Banking should build communities
IOU National has invested over $1.2 billion in community development since 2010. In 2025 alone, we committed $240 million in loans, grants, and volunteer service to communities across 38 states.
2025 community impact
$120M
Affordable Housing
Financed 3,200+ affordable housing units across 38 states through CRA-qualifying loans and low-income housing tax credit investments.
$85M
Small Business Development
Funded 1,800+ small business loans in low-to-moderate income communities. Partnered with 14 CDFIs for micro-lending programs.
45,000 students
Financial Literacy
Our banker-volunteers taught financial literacy workshops in 320+ schools. Free financial coaching available at every branch.
$18M
Charitable Giving
Granted $18 million to 480+ nonprofits focused on housing, education, workforce development, and food security.
120,000+ hours
Employee Volunteering
Every employee receives 40 hours of paid volunteer time annually. Teams participate in Habitat builds, food drives, and mentorship programs.
$240M total
Community Development
Total 2025 community investment across all programs — loans, grants, volunteer time, and in-kind contributions.
“A bank's health is inseparable from the health of the communities it serves. Every dollar we invest in affordable housing, small business development, and financial education comes back to us in the form of stronger neighborhoods, more vibrant local economies, and deeper customer relationships.”
Thomas R. Whitfield II
Chairman & CEO, IOU National Bank
Community Reinvestment Act
IOU National has received an “Outstanding” CRA rating from the OCC for three consecutive examination cycles. We exceed regulatory expectations in lending, investment, and service to low-and-moderate-income communities in every assessment area we serve.
Learn More About Our CRA ProgramPartner with us
If your nonprofit or community organization is working on affordable housing, financial literacy, workforce development, or small business support, we'd like to hear from you.
Contact Community Development