OCC: CRA Performance Evaluations for 22 National Banks and Federal Savings Associations Released

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 June 1, 2025, through June 30, 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
City National Bank of Florida	Miami	FL	Outstanding
Finemark National Bank and Trust	Fort Myers	FL	Satisfactory
TCM Bank, N.A.	Tampa	FL	Satisfactory
Midwest Heritage Bank, F.S.B.	West Des Moines	IA	Satisfactory
CNB Bank and Trust, N.A.	Carlinville	IL	Satisfactory
First National Bank in Olney	Olney	IL	Outstanding
Stillman BancCorp, N.A.	Stillman Valley	IL	Outstanding
Central National Bank	Junction City	KS	Satisfactory
Heritage Bank of St. Tammany	Covington	LA	Satisfactory
The Camden National Bank	Camden	ME	Satisfactory
Security National Bank of Omaha	Omaha	NE	Satisfactory
Bank of China – New York Branch	New York	NY	Outstanding
Bank of China – Queens Branch	Flushing	NY	Outstanding
Morgan Stanley Private Bank, N.A.	Purchase	NY	Outstanding
The Ephrata National Bank	Ephrata	PA	Satisfactory
First Savings Bank	Beresford	SD	Outstanding
First National Bank of Central Texas	Waco	TX	Satisfactory
First National Bank of Giddings	Giddings	TX	Satisfactory
Clare Bank, N.A.	Platteville	WI	Satisfactory
First Federal Bank of Wisconsin	Waukesha	WI	Satisfactory
Tri City National Bank	Oak Creek	WI	Satisfactory
Huntington Federal Savings Bank	Huntington	WV	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.

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