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 October 1, 2025, through October 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 |
|---|---|---|---|
| First National Bank | Hamilton | AL | Satisfactory |
| First Bankers Trust Company, National Association | Quincy | IL | Satisfactory |
| Granville National Bank | Granville | IL | Satisfactory |
| Midwest National Bank | Sandoval | IL | Outstanding |
| The First National Bank of Okawville | Okawville | IL | Outstanding |
| The National Bank of Indianapolis | Indianapolis | IN | Satisfactory |
| Homeland Federal Savings Bank | Columbia | LA | Satisfactory |
| Investar Bank, National Association | Baton Rouge | LA | Outstanding |
| Carver Federal Savings Bank | New York | NY | Outstanding |
| First Mutual Bank, FSB | Belpre | OH | Satisfactory |
| FSNB, National Association | Lawton | OK | Outstanding |
| The First National Bank of Frederick | Frederick | SD | Satisfactory |
| American Bank, National Association | Waco | TX | Satisfactory |
| Commercial Bank of Texas, National Association | Nacogdoches | TX | Satisfactory |
| The Jacksboro National Bank | Jacksboro | TX | Satisfactory |
| Synchrony Bank | Draper | UT | Outstanding |
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.
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