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OCC Releases CRA Performance Evaluations for 20 National Banks and Federal Savings Associations

July 1, 2026 / Source: OCC

News Release 2026-54|July 1, 2026

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 June 1, 2026, through June 30, 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:

Bank NameCityStateRating
The First National Bank of RaymondRaymondILOutstanding
Security Federal Savings BankLogansportINOutstanding
First Federal Savings Bank of KentuckyFrankfortKYOutstanding
First National Bank of LouisianaCrowleyLAOutstanding
Minnesota National BankSauk CentreMNOutstanding
VersaBank USA National AssociationHoldingfordMNOutstanding
Viking Bank, National AssociationAlexandriaMNSatisfactory
Ballston Spa National BankBallston SpaNYSatisfactory
Champlain National BankElizabethtownNYSatisfactory
The Upstate National BankOgdensburgNYSatisfactory
The Citizens National Bank of WoodsfieldWoodsfieldOHSatisfactory
The First Central National Bank of St. ParisSt. ParisOHSatisfactory
First Texoma National BankDurantOKSatisfactory
The Peoples National Bank of ChecotahChecotahOKOutstanding
First National Bank of PennsylvaniaGreenvillePASatisfactory
The Bancorp Bank, National AssociationSioux FallsSDOutstanding
Home Federal Bank of TennesseeKnoxvilleTNOutstanding
Community National BankMidlandTXSatisfactory
Southtrust Bank, National AssociationGeorge WestTXSatisfactory
The First National Bank of BallingerBallingerTXOutstanding

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.

To receive alerts for news releases announcing CRA performance evaluations, subscribe to OCC News email list.

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Monica McCoy
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