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  "notes": "The slide details the specific counties included in the NY-NJ and Utah assessment areas and justifies community development investments outside these defined regions.",
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      "text": "New York (NY)\nBronx (NY)\nKings (NY)\nRichmond (NY)\nQueens (NY)\nHudson (NJ)\nEssex (NJ)",
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      "text": "Under the CRA and NYCRA, a bank is required to define one or more assessment areas (“AAs”) in which regulators evaluate the bank’s record of helping to meet community credit needs.",
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      "text": "GS Bank also has significant operations outside its assessment areas given it does not rely on a traditional branch network to conduct its activities. GS Bank deposits come from across the United States with 29.2% generated in the three states that include the 10 counties in our AAs.",
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