OCC Releases CRA Performance Evaluations for 26 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 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.

To receive alerts for news releases announcing CRA performance evaluations, subscribe to OCC Email Updates.

"This news release was updated August 27, 2025 to publish an updated PE for Shamrock Bank, National Association, that corrects an error in the table on page 22."