One Nebraska bank was given a "needs to improve" rating on its most recent Community Reinvestment Act exam, despite a significant portion of its lending going to affordable housing loans. A lower rating can affect a bank's ability to expand, either through de novo branch expansion or through acquisition activity, said William Stern, a partner in Goodwin’s Financial Industry group and Banking, Consumer Financial Services, and Fintech practices. Read the article in S&P Global Market Intelligence here.