And regarding the tract income, page 1 of the documentation says:
In March, using the Census Redistricting Data, the FFIEC released a limited flat file as the first part of the FFIEC 2022 release. These fields cover only demographic information, not tract income categories used in CRA or other fields that are derived from the ACS Five Year Survey (2016-2020).
and...
In calendar year 2023, the 2022 FFIEC Census flat file will be updated for a third time. The missing demographic fields from the earlier releases will be backfilled with the Decennial Census Demographic and Housing Characteristics (DHC, formerly known as SF-1) files.