OCC: CRA Performance Evaluations for 25 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 April 1, 2025, through April 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
First National Bank and Trust	Atmore	AL	Satisfactory
Pikes Peak National Bank	Colorado Springs	CO	Satisfactory
The First National Bank in Trinidad	Trinidad	CO	Satisfactory
Lake Forest Bank & Trust Company, National Association	Lake Forest	IL	Outstanding
Old Plank Trail Community Bank, National Association	Mokena	IL	Outstanding
The Old Exchange National Bank of Okawville	Okawville	IL	Outstanding
Union Federal Savings and Loan Association	Kewanee	IL	Outstanding
Neighborhood National Bank	Mora	MN	Satisfactory
WNB Financial, National Association	Winona	MN	Satisfactory
HNB National Bank	Hannibal	MO	Satisfactory
OceanFirst Bank, National Association	Red Bank	NJ	Outstanding
The Canandaigua National Bank and Trust Company	Canandaigua	NY	Satisfactory
Farmers National Bank of Canfield	Canfield	OH	Satisfactory
The Huntington National Bank	Columbus	OH	Outstanding
First National Bank of Oklahoma	Oklahoma City	OK	Outstanding
Great Plains National Bank	Elk City	OK	Satisfactory
Shamrock Bank, National Association	Coalgate	OK	Outstanding
The Bank, National Association	McAlester	OK	Satisfactory
Citibank, National Association	Sioux Falls	SD	Outstanding
Extraco Banks, National Association	Temple	TX	Satisfactory
The First National Bank of Mertzon	Mertzon	TX	Satisfactory
The Granger National Bank	Granger	TX	Outstanding
Zions Bancorporation, National Association	Salt Lake City	UT	Satisfactory
Ledyard National Bank	Norwich	VT	Satisfactory
Associated Bank, National Association	Green Bay	WI	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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