OCC: CRA Performance Evaluations Released for 26 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 February 1, 2025, through February 28, 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
Connecticut Community Bank, National Association	Norwalk	CT	Satisfactory
The National Capital Bank of Washington	Washington	DC	Satisfactory
First National Bank of Decatur County	Bainbridge	GA	Satisfactory
Collinsville Building and Loan Association	Collinsville	IL	Outstanding
First Neighbor Bank, National Association	Toledo	IL	Outstanding
The Home National Bank of Thorntown	Thorntown	IN	Satisfactory
Fidelity Bank, National Association	Wichita	KS	Satisfactory
Lyons Federal Bank	Lyons	KS	Outstanding
Middlesex Federal Savings, F.A.	Somerville	MA	Satisfactory
Lake Shore Savings Bank	Dunkirk	NY	Outstanding
Ponce Bank	Bronx	NY	Outstanding
Shamrock Bank, National Association	Coalgate	OK	Outstanding
The Security National Bank of Enid	Enid	OK	Outstanding
First National Bank of South Carolina	Holly Hill	SC	Satisfactory
Wells Fargo Bank, National Association	Sioux Falls	SD	Outstanding
First Citizens National Bank	Dyersburg	TN	Satisfactory
Highland FS & LA	Crossville	TN	Satisfactory
Classic Bank, National Association	Cameron	TX	Satisfactory
Clear Fork Bank, National Association	Albany	TX	Satisfactory
The Brenham National Bank	Brenham	TX	Satisfactory
The Falls City National Bank	Falls City	TX	Satisfactory
The Granger National Bank	Granger	TX	Outstanding
The MINT National Bank	Kingwood	TX	Satisfactory
LendingClub Bank, National Association	Lehi	UT	Satisfactory
Capital One, National Association	McLean	VA	Outstanding
The National Bank of Middlebury	Middlebury	VT	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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