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

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 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 Outstanding

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.

Related Link

• Community Reinvestment Act

"This news release was updated August 27, 2025. The previous version incorrectly stated the rating for Security First National Bank of Hugo was satisfactory."