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News Release 2026-5 | February 2, 2026

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.

To receive alerts for news releases announcing CRA performance evaluations, subscribe to OCC News email list.

Media Contact

Monica McCoy
(202) 649-6870