OCC: CRA Performance Evaluations Released for 19 National Banks and Federal Savings Associations

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 November 1, 2024, through November 30, 2024. 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:

Institution	City	State	CRA Rating
The Malvern National Bank	Malvern	AR	Satisfactory
El Dorado Savings Bank, F.S.B.	Placerville	CA	Satisfactory
Santander Bank, National Association	Wilmington	DE	Outstanding
CenTrust Bank, National Association	Northbrook	IL	Satisfactory
Peoples National Bank, N.A.	McLeansboro	IL	Satisfactory
FCN Bank, National Association	Brookville	IN	Outstanding
Bonvenu Bank, National Association	Bossier City	LA	Satisfactory
Mutual Savings and Loan Association	Metairie	LA	Satisfactory
Minnstar Bank National Association	Lake Crystal	MN	Satisfactory
The First National Bank of Osakis	Osakis	MN	Satisfactory
The National Bank of Coxsackie	Coxsackie	NY	Satisfactory
Warsaw Federal Savings & Loan Association	Cincinnati	OH	Satisfactory
Security First National Bank of Hugo	Hugo	OK	Satisfactory
Evergreen Federal Bank	Grants Pass	OR	Outstanding
The First National Bank and Trust Company of Newtown	Newtown	PA	Satisfactory
First Western Federal Savings Bank	Rapid City	SD	Satisfactory
The First National Bank of Middle Tennessee	McMinnville	TN	Satisfactory
Community National Bank & Trust of Texas	Corsicana	TX	Satisfactory
Legend Bank, National Association	Bowie	TX	Satisfactory

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 calendar quarter.

To receive alerts for news releases announcing CRA performance evaluations, subscribe to OCC Email Updates.