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OCC Releases CRA Performance Evaluations for 33 National Banks and Federal Savings Associations

January 5, 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 December 1, 2025, through December 31, 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
USAA Federal Savings BankPhoenixAZOutstanding
Beacon Business Bank, N.A.San FranciscoCASatisfactory
First National Bank of GriffinGriffinGASatisfactory
Crystal Lake Bank & Trust Company, N.A.Crystal LakeILOutstanding
Hometown National BankLaSalleILSatisfactory
Libertyville Bank & Trust Company, N.A.LibertyvilleILOutstanding
Resource Bank, N.A.DeKalbILSatisfactory
Home Bank S.B.MartinsvilleINOutstanding
Argentine Federal SavingsKansas CityKSOutstanding
Cumberland Valley National Bank & Trust CompanyLondonKYOutstanding
First & Farmers National Bank, Inc.SomersetKYOutstanding
Forcht Bank, N.A.LexingtonKYSatisfactory
Leader Bank, N.A.ArlingtonMASatisfactory
Winter Hill Bank, F.S.B.SomervilleMAOutstanding
The First National Bank of BemidjiBemidjiMNSatisfactory
Western National BankCass LakeMNOutstanding
The First National Bank of GordonGordonNEOutstanding
Hana Bank USA, N.A.Fort LeeNJSatisfactory
Newfield National BankNewfieldNJSatisfactory
First National BankAlamogordoNMSatisfactory
M.Y. Safra Bank, F.S.B.New YorkNYOutstanding
Quontic BankAstoriaNYSatisfactory
Safra National Bank of New YorkNew YorkNYSatisfactory
JPMorgan Chase Bank, N.A.ColumbusOHOutstanding
First National BankHeavenerOKSatisfactory
Triad Bank, N.A.TulsaOKSatisfactory
First Federal Savings & Loan Association of Greene CountyWaynesburgPASatisfactory
Citizens National BankSeviervilleTNSatisfactory
American First National BankHoustonTXOutstanding
American Express National BankSandyUTOutstanding
Oak View National BankWarrentonVASatisfactory
The Bank of BenningtonBenningtonVTSatisfactory
National Bank of CommerceSuperiorWIOutstanding

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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