OCC: CRA Performance Evaluations for 20 National Banks and Federal Savings Associations Released

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, 2025, through January 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:

Institution	City	State	CRA Rating
American Plus Bank, National Association	Arcadia	CA	Satisfactory
Axiom Bank, National Association	Maitland	FL	Satisfactory
The First National Bank of Lacon	Lacon	IL	Satisfactory
United Trust Bank	Palos Heights	IL	Needs to Improve
Capitol Federal Savings Bank	Topeka	KS	Satisfactory
The First National Bank of Russell Springs	Russell Springs	KY	Satisfactory
Stearns Bank National Association	St. Cloud	MN	Outstanding
American National Bank	Omaha	NE	Satisfactory
Glens Falls National Bank and Trust Company	Glens Falls	NY	Satisfactory
The First National Bank of Sycamore	Sycamore	OH	Satisfactory
First Federal Savings and Loan Association of Lorain	Lorain	OH	Needs to Improve
Patrons Bank, National Association	Okmulgee	OK	Outstanding
Slovenian S&LA of Franklin-Conemaugh	Conemaugh	PA	Satisfactory
The First National Bank of Oneida	Oneida	TN	Satisfactory
Newport Federal Bank	Newport	TN	Satisfactory
The Karnes County National Bank of Karnes City	Karnes City	TX	Satisfactory
The Liberty National Bank in Paris	Paris	TX	Satisfactory
Martinsville First Savings Bank	Martinsville	VA	Satisfactory
First National Bank in Tigerton	Tigerton	WI	Satisfactory
Nicolet National Bank	Green Bay	WI	Outstanding

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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