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 July 1, 2026, through July 30, 2026.
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 |
|---|---|---|---|
| Desjardins Bank, National Association | Hallandale Beach | FL | Satisfactory |
| Hinsdale Bank & Trust Company, National Association | Hinsdale | IL | Outstanding |
| Midland FS & LA | Bridgeview | IL | Needs to Improve |
| The First National Bank of Carmi | Carmi | IL | Satisfactory |
| The First National Bank of Hutchinson | Hutchinson | KS | Outstanding |
| First National Bank | Damariscotta | ME | Satisfactory |
| Merchants Bank, National Association | Winona | MN | Satisfactory |
| My Kind of Bank, National Association | Ottertail | MN | Outstanding |
| The Citizens National Bank of Park Rapids | Park Rapids | MN | Outstanding |
| Woodlands National Bank | Hinckley | MN | Satisfactory |
| Waterford Bank, National Association | Toledo | OH | Satisfactory |
| Kress National Bank | Kress | TX | Satisfactory |
| Trinity Bank, National Association | Fort Worth | TX | Satisfactory |
| John Deere Financial, f.s.b. | Madison | WI | 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.
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