OCC Releases CRA Performance Evaluations for 33 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 December 1, 2025, through December 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

USAA Federal Savings Bank Phoenix AZ Outstanding

Beacon Business Bank, N.A. San Francisco CA Satisfactory

First National Bank of Griffin Griffin GA Satisfactory

Crystal Lake Bank & Trust Company, N.A. Crystal Lake IL Outstanding

Hometown National Bank LaSalle IL Satisfactory

Libertyville Bank & Trust Company, N.A. Libertyville IL Outstanding

Resource Bank, N.A. DeKalb IL Satisfactory

Home Bank S.B. Martinsville IN Outstanding

Argentine Federal Savings Kansas City KS Outstanding

Cumberland Valley National Bank & Trust Company London KY Outstanding

First & Farmers National Bank, Inc. Somerset KY Outstanding

Forcht Bank, N.A. Lexington KY Satisfactory

Leader Bank, N.A. Arlington MA Satisfactory

Winter Hill Bank, F.S.B. Somerville MA Outstanding

The First National Bank of Bemidji Bemidji MN Satisfactory

Western National Bank Cass Lake MN Outstanding

The First National Bank of Gordon Gordon NE Outstanding

Hana Bank USA, N.A. Fort Lee NJ Satisfactory

Newfield National Bank Newfield NJ Satisfactory

First National Bank Alamogordo NM Satisfactory

M.Y. Safra Bank, F.S.B. New York NY Outstanding

Quontic Bank Astoria NY Satisfactory

Safra National Bank of New York New York NY Satisfactory

JPMorgan Chase Bank, N.A. Columbus OH Outstanding

First National Bank Heavener OK Satisfactory

Triad Bank, N.A. Tulsa OK Satisfactory

First Federal Savings & Loan Association of Greene County Waynesburg PA Satisfactory

Citizens National Bank Sevierville TN Satisfactory

American First National Bank Houston TX Outstanding

American Express National Bank Sandy UT Outstanding

Oak View National Bank Warrenton VA Satisfactory

The Bank of Bennington Bennington VT Satisfactory

National Bank of Commerce Superior 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.

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