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, 2024, through December 31, 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 |
|---|---|---|---|
| Liberty Bank, National Association | Irvine | CA | Satisfactory |
| Eastern National Bank | Miami | FL | Satisfactory |
| Buena Vista National Bank | Chester | IL | Satisfactory |
| The Federal Savings Bank | Chicago | IL | Satisfactory |
| The First National Bank of Sparta | Sparta | IL | Outstanding |
| First Southern National Bank | Lancaster | KY | Satisfactory |
| Auburn Savings Bank, FSB | Auburn | ME | Satisfactory |
| First National Bank of America | East Lansing | MI | Satisfactory |
| Stearns Bank Upsala National Association | Upsala | MN | Satisfactory |
| The First National Bank of Moose Lake | Moose Lake | MN | Satisfactory |
| First Seacoast Bank | Dover | NH | Outstanding |
| Metropolitan Bank and Trust Company | New York | NY | Outstanding |
| First National Bank in New Bremen | New Bremen | OH | Satisfactory |
| Citizens National Bank | Cameron | TX | Satisfactory |
| The Commercial National Bank of Brady | Brady | TX | Satisfactory |
| The First National Bank of Evant | Evant | 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 two calendar quarters.
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