The National Community Investment Fund is a non-profit, private equity trust that invests in banks, thrifts and credit unions that generate both financial and social returns. These Community Development Banking Institutions (CDBIs) — a term used by NCIF to describe depository institutions with a community development focus - may be located in urban, rural or Native American markets, and may be minority-owned, minority-focused or majority owned. However, to be considered a CDBI, an institution must focus a substantial part of its business on low- to moderate-income people or communities.

Mission Statement
The National Community Investment Fund (NCIF) invests private capital in, and facilitates knowledge transfer to, depository institutions that increase access to financial services in underserved communities.

NCIF Investments by the Numbers
Community Development Impact
Since NCIF began tracking the activities of its portfolio institutions in 1998, these institutions have generated over $3.7 billion in development lending. This represents over 83,000 loans that were directed toward low-income borrowers and low to moderate-income communities.

Total Investment
Since its inception in 1996, NCIF has invested over $24 million in 37 financial institutions nationwide.

Diverse Investments
By dollar amount, 73% of all investments made have been placed in minority-owned or focused institutions and/or woman-owned or managed institutions.

Rural Institutions
By dollar amount, 18.9% of all investments made by NCIF have been placed in rural institutions.

De Novo Banks
NCIF has invested seed capital in six de novo banks.