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News Release 2025-1 | January 2, 2025

OCC Releases CRA Performance Evaluations for 16 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, 2024, through December 31, 2024.

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
Liberty Bank, National Association Irvine CA Satisfactory
Eastern National Bank Miami FL Satisfactory
Buena Vista National Bank Chester IL Satisfactory
The Federal Savings Bank Chicago IL Satisfactory
The First National Bank of Sparta Sparta IL Outstanding
First Southern National Bank Lancaster KY Satisfactory
Auburn Savings Bank, FSB Auburn ME Satisfactory
First National Bank of America East Lansing MI Satisfactory
Stearns Bank Upsala National Association Upsala MN Satisfactory
The First National Bank of Moose Lake Moose Lake MN Satisfactory
First Seacoast Bank Dover NH Outstanding
Metropolitan Bank and Trust Company New York NY Outstanding
First National Bank in New Bremen New Bremen OH Satisfactory
Citizens National Bank Cameron TX Satisfactory
The Commercial National Bank of Brady Brady TX Satisfactory
The First National Bank of Evant Evant 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.

To receive alerts for news releases announcing CRA performance evaluations, subscribe to OCC Email Updates.

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