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News Release 2025-15 | March 3, 2025

OCC Releases CRA Performance Evaluations for 26 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 February 1, 2025, through February 28, 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
Connecticut Community Bank, National Association Norwalk CT Satisfactory
The National Capital Bank of Washington Washington DC Satisfactory
First National Bank of Decatur County Bainbridge GA Satisfactory
Collinsville Building and Loan Association Collinsville IL Outstanding
First Neighbor Bank, National Association Toledo IL Outstanding
The Home National Bank of Thorntown Thorntown IN Satisfactory
Fidelity Bank, National Association Wichita KS Satisfactory
Lyons Federal Bank Lyons KS Outstanding
Middlesex Federal Savings, F.A. Somerville MA Satisfactory
Lake Shore Savings Bank Dunkirk NY Outstanding
Ponce Bank Bronx NY Outstanding
Shamrock Bank, National Association Coalgate OK Outstanding
The Security National Bank of Enid Enid OK Outstanding
First National Bank of South Carolina Holly Hill SC Satisfactory
Wells Fargo Bank, National Association Sioux Falls SD Outstanding
First Citizens National Bank Dyersburg TN Satisfactory
Highland FS & LA Crossville TN Satisfactory
Classic Bank, National Association Cameron TX Satisfactory
Clear Fork Bank, National Association Albany TX Satisfactory
The Brenham National Bank Brenham TX Satisfactory
The Falls City National Bank Falls City TX Satisfactory
The Granger National Bank Granger TX Outstanding
The MINT National Bank Kingwood TX Satisfactory
LendingClub Bank, National Association Lehi UT Satisfactory
Capital One, National Association McLean VA Outstanding
The National Bank of Middlebury Middlebury VT 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.

Media Contact

Monica McCoy
(202) 649-6870