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OCC Releases CRA Performance Evaluations for 32 National Banks and Federal Savings Associations

December 1, 2025 / Source: Office of the Comptroller of the Currency

WASHINGTON—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 November 1, 2025, through November 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:

InstitutionCityStateCRA Rating
Cullman Savings BankCullmanALSatisfactory
Patriot Bank, National AssociationStamfordCTSatisfactory
Pacific National BankMiamiFLSatisfactory
Seacoast National BankStuartFLOutstanding
American Bank, National AssociationLe MarsIAOutstanding
Liberty National BankSioux CityIASatisfactory
The Citizens First National Bank of Storm LakeStorm LakeIAOutstanding
Chester National BankChesterILOutstanding
Forest Park National Bank and Trust CompanyForest ParkILSatisfactory
The Bradford National Bank of GreenvilleGreenvilleILOutstanding
The City National Bank of MetropolisMetropolisILSatisfactory
The Havana National BankHavanaILSatisfactory
Community First National BankManhattanKSSatisfactory
The First National Bank of HopeHopeKSSatisfactory
The Murray BankMurrayKYSatisfactory
Fifth District Savings BankNew OrleansLASatisfactory
Milford Federal BankMilfordMASatisfactory
First National Bank of OmahaOmahaNEOutstanding
The Lyons National BankLyonsNYSatisfactory
1st National BankLebanonOHSatisfactory
First Federal Bank of OhioGalionOHSatisfactory
First National Bank & Trust Company of McAlesterMcAlesterOKOutstanding
The Neffs National BankNeffsPASatisfactory
First National BankOldhamSDSatisfactory
First National Bank in PhilipPhilipSDOutstanding
Agility Bank, National AssociationHoustonTXSatisfactory
First Commercial Bank, National AssociationSeguinTXSatisfactory
First National Bank of McGregorMcGregorTXSatisfactory
Lamar National BankParisTXSatisfactory
The City National Bank of TaylorTaylorTXSatisfactory
West Texas National BankMidlandTXSatisfactory
Old Dominion National BankNorth GardenVASatisfactory

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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