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OCC Releases CRA Performance Evaluations for 29 National Banks and Federal Savings Associations

February 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 January 1, 2026, through January 31, 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
AMG National Trust BankBoulderCOOutstanding
City First Bank, National AssociationWashingtonDCOutstanding
Amerant Bank, National AssociationCoral GablesFLSatisfactory
Northbrook Bank and Trust Company, National AssociationNorthbrookILOutstanding
St. Charles Bank and Trust Company, National AssociationSaint CharlesILOutstanding
The First National Bank of GraysonGraysonKYSatisfactory
Shore United Bank, National AssociationEastonMDSatisfactory
Capitol National BankLansingMISatisfactory
Citizens National Bank of CheboyganCheboyganMISatisfactory
B2 Bank National AssociationMountain IronMNSatisfactory
Alerus Financial, National AssociationGrand ForksNDSatisfactory
Gate City BankFargoNDSatisfactory
Western National BankChesterNESatisfactory
Valley National BankMorristownNJOutstanding
First Federal Community Bank of BucyrusBucyrusOHSatisfactory
United Midwest Savings Bank, National AssociationDeGraffOHSatisfactory
Stride Bank, National AssociationEnidOKSatisfactory
Pioneer Trust Bank, National AssociationSalemORSatisfactory
Pee Dee Federal Savings BankMarionSCSatisfactory
The First National Bank in Sioux FallsSioux FallsSDOutstanding
Big Bend Banks, National AssociationMarfaTXSatisfactory
First National Bank of BastropBastropTXSatisfactory
First National Bank of Bosque CountyValley MillsTXOutstanding
Llano National BankLlanoTXOutstanding
Texas National BankSweetwaterTXSatisfactory
Texas Republic Bank, National AssociationFriscoTXSatisfactory
The Lamesa National BankLamesaTXSatisfactory
The National Bank of AndrewsAndrewsTXSatisfactory
The Fayette County National Bank of FayettevilleFayettevilleWVSatisfactory

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.