OCC Releases CRA Performance Evaluations for 32 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, 2025, through November 30, 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

Cullman Savings Bank Cullman AL Satisfactory

Patriot Bank, National Association Stamford CT Satisfactory

Pacific National Bank Miami FL Satisfactory

Seacoast National Bank Stuart FL Outstanding

American Bank, National Association Le Mars IA Outstanding

Liberty National Bank Sioux City IA Satisfactory

The Citizens First National Bank of Storm Lake Storm Lake IA Outstanding

Chester National Bank Chester IL Outstanding

Forest Park National Bank and Trust Company Forest Park IL Satisfactory

The Bradford National Bank of Greenville Greenville IL Outstanding

The City National Bank of Metropolis Metropolis IL Satisfactory

The Havana National Bank Havana IL Satisfactory

Community First National Bank Manhattan KS Satisfactory

The First National Bank of Hope Hope KS Satisfactory

The Murray Bank Murray KY Satisfactory

Fifth District Savings Bank New Orleans LA Satisfactory

Milford Federal Bank Milford MA Satisfactory

First National Bank of Omaha Omaha NE Outstanding

The Lyons National Bank Lyons NY Satisfactory

1st National Bank Lebanon OH Satisfactory

First Federal Bank of Ohio Galion OH Satisfactory

First National Bank & Trust Company of McAlester McAlester OK Outstanding

The Neffs National Bank Neffs PA Satisfactory

First National Bank Oldham SD Satisfactory

First National Bank in Philip Philip SD Outstanding

Agility Bank, National Association Houston TX Satisfactory

First Commercial Bank, National Association Seguin TX Satisfactory

First National Bank of McGregor McGregor TX Satisfactory

Lamar National Bank Paris TX Satisfactory

The City National Bank of Taylor Taylor TX Satisfactory

West Texas National Bank Midland TX Satisfactory

Old Dominion National Bank North Garden VA 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.

To receive alerts for news releases announcing CRA performance evaluations, subscribe to OCC News email list.