OCC Releases CRA Performance Evaluations for 29 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 January 1, 2026, through January 31, 2026.

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
AMG National Trust Bank	Boulder	CO	Outstanding
City First Bank, National Association	Washington	DC	Outstanding
Amerant Bank, National Association	Coral Gables	FL	Satisfactory
Northbrook Bank and Trust Company, National Association	Northbrook	IL	Outstanding
St. Charles Bank and Trust Company, National Association	Saint Charles	IL	Outstanding
The First National Bank of Grayson	Grayson	KY	Satisfactory
Shore United Bank, National Association	Easton	MD	Satisfactory
Capitol National Bank	Lansing	MI	Satisfactory
Citizens National Bank of Cheboygan	Cheboygan	MI	Satisfactory
B2 Bank National Association	Mountain Iron	MN	Satisfactory
Alerus Financial, National Association	Grand Forks	ND	Satisfactory
Gate City Bank	Fargo	ND	Satisfactory
Western National Bank	Chester	NE	Satisfactory
Valley National Bank	Morristown	NJ	Outstanding
First Federal Community Bank of Bucyrus	Bucyrus	OH	Satisfactory
United Midwest Savings Bank, National Association	DeGraff	OH	Satisfactory
Stride Bank, National Association	Enid	OK	Satisfactory
Pioneer Trust Bank, National Association	Salem	OR	Satisfactory
Pee Dee Federal Savings Bank	Marion	SC	Satisfactory
The First National Bank in Sioux Falls	Sioux Falls	SD	Outstanding
Big Bend Banks, National Association	Marfa	TX	Satisfactory
First National Bank of Bastrop	Bastrop	TX	Satisfactory
First National Bank of Bosque County	Valley Mills	TX	Outstanding
Llano National Bank	Llano	TX	Outstanding
Texas National Bank	Sweetwater	TX	Satisfactory
Texas Republic Bank, National Association	Frisco	TX	Satisfactory
The Lamesa National Bank	Lamesa	TX	Satisfactory
The National Bank of Andrews	Andrews	TX	Satisfactory
The Fayette County National Bank of Fayetteville	Fayetteville	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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