I have always compared the percentage of loans made to low-income borrowers and moderate income borrowers in my institution, to the percentage of families living below poverty level in the AA. I also consider market share of the prior year.

For census tracts, I compare to the # of owner occupied units in the low and moderate income tracts.

Question 1: Is there a place to find the actual number of low-and moderate income families in a county?

For small business and small farms, I compare it to the market share of the year before and/or the deposit market share.

Deposit market share is easy to find. Question 2: If it is not in an MSA, where can you find the small business/small farm market share? Does the CRA on the FFIEC show anything that is not in an MSA?
Opinions do not reflect opinion of employer and cannot be relied upon as advise.