The Office of the Comptroller of the Currency (OCC) today released a list of Community Reinvestment Act (CRA) performance evaluations that became public during the period of August 1, 2025, through August 31, 2025.
Under the CRA, the OCC assesses an institution’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with the safe and sound operation of such institution.
The list includes the national banks, federal savings associations, and insured federal branches of foreign banks that have received CRA ratings. Possible ratings assigned are outstanding, satisfactory, needs to improve, and substantial noncompliance. The CRA evaluations released are:
| Institution | City | State | CRA Rating |
|---|---|---|---|
| Southwest Heritage Bank | Scottsdale | AZ | Satisfactory |
| C3bank, N.A. | Encinitas | CA | Satisfactory |
| American Commerce Bank, N.A. | Bremen | GA | Satisfactory |
| Esquire Bank, N.A. | Jericho | NY | Outstanding |
| First National Bank and Trust | Elk City | OK | Satisfactory |
| The Pauls Valley National Bank | Pauls Valley | OK | Satisfactory |
| Citizens Savings Bank | Clarks Summit | PA | Satisfactory |
| T Bank, N.A. | Dallas | TX | Satisfactory |
| Titan Bank, N.A. | Mineral Wells | TX | Satisfactory |
| Chain Bridge Bank, N.A. | Mclean | VA | Outstanding |
| HSBC Bank USA, N.A. | Tysons | VA | Satisfactory |
The OCC’s website offers access to a searchable list of all public CRA evaluations issued since April 1996. The OCC also publishes a list of institutions to be examined for compliance with the CRA in the next two calendar quarters.
To receive alerts for news releases announcing CRA performance evaluations, subscribe to OCC News email list.