OCC Releases CRA Performance Evaluations for 22 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 June 1, 2025, through June 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

City National Bank of Florida Miami FL Outstanding

Finemark National Bank and Trust Fort Myers FL Satisfactory

TCM Bank, N.A. Tampa FL Satisfactory

Midwest Heritage Bank, F.S.B. West Des Moines IA Satisfactory

CNB Bank and Trust, N.A. Carlinville IL Satisfactory

First National Bank in Olney Olney IL Outstanding

Stillman BancCorp, N.A. Stillman Valley IL Outstanding

Central National Bank Junction City KS Satisfactory

Heritage Bank of St. Tammany Covington LA Satisfactory

The Camden National Bank Camden ME Satisfactory

Security National Bank of Omaha Omaha NE Satisfactory

Bank of China – New York Branch New York NY Outstanding

Bank of China – Queens Branch Flushing NY Outstanding

Morgan Stanley Private Bank, N.A. Purchase NY Outstanding

The Ephrata National Bank Ephrata PA Satisfactory

First Savings Bank Beresford SD Outstanding

First National Bank of Central Texas Waco TX Satisfactory

First National Bank of Giddings Giddings TX Satisfactory

Clare Bank, N.A. Platteville WI Satisfactory

First Federal Bank of Wisconsin Waukesha WI Satisfactory

Tri City National Bank Oak Creek WI Satisfactory

Huntington Federal Savings Bank Huntington WV 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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