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News Release 2025-116 | December 1, 2025

OCC Releases CRA Performance Evaluations for 32 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 November 1, 2025, through November 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
Cullman Savings Bank Cullman AL Satisfactory
Patriot Bank, National Association Stamford CT Satisfactory
Pacific National Bank Miami FL Satisfactory
Seacoast National Bank Stuart FL Outstanding
American Bank, National Association Le Mars IA Outstanding
Liberty National Bank Sioux City IA Satisfactory
The Citizens First National Bank of Storm Lake Storm Lake IA Outstanding
Chester National Bank Chester IL Outstanding
Forest Park National Bank and Trust Company Forest Park IL Satisfactory
The Bradford National Bank of Greenville Greenville IL Outstanding
The City National Bank of Metropolis Metropolis IL Satisfactory
The Havana National Bank Havana IL Satisfactory
Community First National Bank Manhattan KS Satisfactory
The First National Bank of Hope Hope KS Satisfactory
The Murray Bank Murray KY Satisfactory
Fifth District Savings Bank New Orleans LA Satisfactory
Milford Federal Bank Milford MA Satisfactory
First National Bank of Omaha Omaha NE Outstanding
The Lyons National Bank Lyons NY Satisfactory
1st National Bank Lebanon OH Satisfactory
First Federal Bank of Ohio Galion OH Satisfactory
First National Bank & Trust Company of McAlester McAlester OK Outstanding
The Neffs National Bank Neffs PA Satisfactory
First National Bank Oldham SD Satisfactory
First National Bank in Philip Philip SD Outstanding
Agility Bank, National Association Houston TX Satisfactory
First Commercial Bank, National Association Seguin TX Satisfactory
First National Bank of McGregor McGregor TX Satisfactory
Lamar National Bank Paris TX Satisfactory
The City National Bank of Taylor Taylor TX Satisfactory
West Texas National Bank Midland TX Satisfactory
Old Dominion National Bank North Garden VA 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 News email list.

Media Contact

Monica McCoy
(202) 649-6870