OCC Releases CRA Performance Evaluations for 23 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 April 1, 2025, through April 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

First National Bank and Trust Atmore AL Satisfactory

Pikes Peak National Bank Colorado Springs CO Satisfactory

The First National Bank in Trinidad Trinidad CO Satisfactory

Lake Forest Bank & Trust Company, National Association Lake Forest IL Outstanding

Old Plank Trail Community Bank, National Association Mokena IL Outstanding

The Old Exchange National Bank of Okawville Okawville IL Outstanding

Union Federal Savings and Loan Association Kewanee IL Outstanding

Neighborhood National Bank Mora MN Satisfactory

WNB Financial, National Association Winona MN Satisfactory

HNB National Bank Hannibal MO Satisfactory

OceanFirst Bank, National Association Red Bank NJ Outstanding

The Canandaigua National Bank and Trust Company Canandaigua NY Satisfactory

Farmers National Bank of Canfield Canfield OH Satisfactory

The Huntington National Bank Columbus OH Outstanding

First National Bank of Oklahoma Oklahoma City OK Outstanding

Great Plains National Bank Elk City OK Satisfactory

Shamrock Bank, National Association Coalgate OK Outstanding -->

The Bank, National Association McAlester OK Satisfactory

Citibank, National Association Sioux Falls SD Outstanding

Extraco Banks, National Association Temple TX Satisfactory

The First National Bank of Mertzon Mertzon TX Satisfactory

The Granger National Bank Granger TX Outstanding

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Zions Bancorporation, National Association Salt Lake City UT Satisfactory

Ledyard National Bank Norwich VT Satisfactory

Associated Bank, National Association 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.

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

"This news release was updated August 27, 2025 to remove the reference to Granger National Bank and for Shamrock Bank, National Association, as this repeats information provided in a release on March 3, 2025."