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.
|Fredericksburg||Includes the independent city of Fredericksburg, the counties of Caroline, King George, Spotsylvania, and Stafford (excludes the Washington, DC-MD-VA RMA portion); the town of Lake Anna in Louisa County; and the towns of Colonial Beach, Leedstown, Oak Grove, and Potomac Beach in Westmoreland County|
|Essex and Richmond||Includes the counties of Essex and Richmond; Westmoreland County (excludes the Fredericksburg portion); and the town of Callao in Northumberland County.|