When appropriate the Federal Reserve Bank of Richmond uses Rand McNally Areas (RMAs) when defining banking markets. RMAs are metropolitan areas defined by Rand McNally and are located in its Commercial Atlas and Marketing Guide. Since the RMAs are continuously being revised and updated by Rand McNally, these areas should be verified using the Rand McNally Commercial Atlas and Marketing Guide.
When a county returns more than one banking market definition, this county has been split by an RMA and portions of the county are present in both banking market definitions.
|Bedford||Includes the independent city of Bedford and Bedford County (excludes the Lynchburg RMA and the Roanoke RMA portions)|
|Lynchburg||Includes the RMA, the non-RMA portions of the counties of Amherst and Campbell, and the independent city of Lynchburg|
|Roanoke||Includes the RMA, the non-RMA portions of the counties of Botetourt, Franklin, and Roanoke; and the independent cities of Roanoke and Salem|