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OCC Releases CRA Performance Evaluations for 24 National Banks and Federal Savings Associations

March 2, 2026 / 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 February 1, 2026, through February 28, 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
North Side FS & LA of ChicagoChicagoILSatisfactory
Old Second National BankAuroraILOutstanding
Wintrust Bank, National AssociationChicagoILOutstanding
First National Bank in CimarronCimarronKSSatisfactory
GNBank, National AssociationGirardKSOutstanding
Home Bank, National AssociationLafayetteLAOutstanding
42 North Private BankCantonMASatisfactory
Arundel Federal Savings BankGlen BurnieMDSatisfactory
Superior National BankHancockMISatisfactory
American Heritage National BankLong PrairieMNSatisfactory
Abacus Federal Savings BankNew YorkNYOutstanding
Community Federal Savings BankWoodhavenNYSatisfactory
The Delaware National Bank of DelhiDelhiNYOutstanding
Consumers National BankMinervaOHSatisfactory
First Federal Savings and Loan Association of NewarkNewarkOHOutstanding
LCNB National BankLebanonOHSatisfactory
CorTrust Bank National AssociationMitchellSDSatisfactory
Central National BankWacoTXOutstanding
Citizens National Bank at BrownwoodBrownwoodTXSatisfactory
First National Bank in Port LavacaPort LavacaTXSatisfactory
Texas Heritage National BankDaingerfieldTXOutstanding
Powell Valley National BankJonesvilleVASatisfactory
Skyline National BankIndependenceVASatisfactory
Virginia National BankCharlottesvilleVASatisfactory

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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