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OCC Releases CRA Performance Evaluations for 21 National Banks and Federal Savings Associations

May 4, 2026 / Source: OCC

News Release 2026-34|May 4, 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 April 1, 2026, through April 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:

InstitutionCityStateCRA Rating
First National BankParagouldAROutstanding
First National Bank of CommerceWalnut RidgeARSatisfactory
Colorado Federal Savings BankGreenwood VillageCOSatisfactory
First Federal Savings Bank of Twin FallsTwin FallsIDSatisfactory
Cornerstone National Bank & Trust CompanyPalatineILSatisfactory
MidAmerica National BankCantonILSatisfactory
The First National Bank of WaterlooWaterlooILSatisfactory
First Shore Federal Savings & Loan AssociationSalisburyMDOutstanding
County National BankHillsdaleMISatisfactory
The Pennsville National BankPennsvilleNJSatisfactory
Community Bank, National AssociationCantonNYSatisfactory
Maple City Savings Bank, Federal Savings BankHornellNYOutstanding
Kingston National BankKingstonOHSatisfactory
National Cooperative Bank, National AssociationHillsboroOHOutstanding
The Merchants National BankHillsboroOHSatisfactory
First National Bank and Trust Company of ArdmoreArdmoreOKSatisfactory
First National Bank of TennesseeLivingstonTNOutstanding
Amarillo National BankAmarilloTXOutstanding
Colonial Savings, F.A.Fort WorthTXSatisfactory
Kleberg Bank, National AssociationKingsvilleTXSatisfactory
Texana Bank, National AssociationLindenTXSatisfactory

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.