OCC:  CRA Performance Evaluations for 23 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 August 1, 2026, through August 31, 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
Edison National Bank	Fort Myers	FL	Satisfactory
United National Bank	Cairo	GA	Outstanding
The First National Bank of Litchfield	Litchfield	IL	Outstanding
Golden Belt Bank, FSA	Hays	KS	Outstanding
INTRUST Bank, National Association	Wichita	KS	Satisfactory
Eureka Homestead	Metairie	LA	Satisfactory
Eaton Community Bank	Charlotte	MI	Satisfactory
Macatawa Bank, National Association	Holland	MI	Outstanding
The First National Bank of Fairfax	Fairfax	MN	Outstanding
First FS & LA	Pascagoula	MS	Satisfactory
Carthage Savings and Loan, National Association	Carthage	NY	Satisfactory
American Bank, National Association	Dallas	TX	Satisfactory
Citizens National Bank	Crockett	TX	Satisfactory
Dallas Capital Bank, National Association	Dallas	TX	Satisfactory
First National Bank of Burleson	Burleson	TX	Satisfactory
First National Bank of Hereford	Hereford	TX	Satisfactory
First Texas National Bank	Floydada	TX	Satisfactory
The City National Bank of Colorado City	Colorado City	TX	Satisfactory
The Waggoner National Bank of Vernon	Vernon	TX	Satisfactory
Unity National Bank of Houston	Houston	TX	Satisfactory
VeraBank, National Association	Henderson	TX	Outstanding
Morgan Stanley Bank, N.A.	Salt Lake City	UT	Outstanding
First National Bank of River Falls	River Falls	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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