OCC Releases CRA Performance Evaluations for 18 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 May 1, 2025, through May 31, 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

BankUnited, National Association Miami Lakes FL Satisfactory

EverBank, National Association Jacksonville FL Satisfactory

Embassy National Bank Lawrenceville GA Satisfactory

American Bank and Trust Company, National Association Davenport IA Satisfactory

First Robinson Savings Bank, National Association Robinson IL Satisfactory

Grand Ridge National Bank Wheaton IL Satisfactory

Home State Bank, National Association Crystal Lake IL Satisfactory

The Litchfield National Bank Litchfield IL Satisfactory

Armed Forces Bank, National Association Ft. Leavenworth KS Outstanding

Southwest National Bank Wichita KS Satisfactory

Academy Bank, National Association Kansas City MO Satisfactory

Trustmark National Bank Jackson MS Outstanding

DSRM National Bank Albuquerque NM Outstanding

First National Bank of Scotia Scotia NY Outstanding

Tioga State Bank, National Association Spencer NY Satisfactory

Third Federal Savings and Loan Association of Cleveland Cleveland OH Satisfactory

Brazos National Bank Richwood TX Satisfactory

First National Bank of Dublin Dublin 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 two calendar quarters.

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