OCC Releases CRA Performance Evaluations for 15 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 July 1, 2025, through July 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

The First National Bank of Hartford Hartford AL Satisfactory

Chino Commercial Bank, N.A. Chino CA Satisfactory

EH National Bank Beverly Hills CA Satisfactory

TD Bank, N.A. Wilmington DE Outstanding

First Mid Bank and Trust, N.A. Mattoon IL Satisfactory

The Riddell National Bank Brazil IN Satisfactory

American National Bank of Minnesota Baxter MN Satisfactory

Credit One Bank, N.A. Las Vegas NV Outstanding

Farm Bureau Bank, FSB Reno NV Satisfactory

Greenville Federal Greenville OH Satisfactory

The National Bank of Adams County of West Union West Union OH Outstanding

First Federal Savings and Loan Association of McMinnville McMinnville OR Outstanding

Texas Gulf Bank, N.A. Houston TX Satisfactory

Ladysmith Federal Savings and Loan Association Ladysmith WI Outstanding

Big Horn Federal Savings Bank Greybull WY 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.

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