Federal Deposit Insurance Corporation publishes February 2026 Community Reinvestment Act ratings for 46 state nonmember banks

The Federal Deposit Insurance Corporation has released its latest public list of state nonmember banks evaluated for compliance with the Community Reinvestment Act (CRA), covering ratings assigned in February 2026. The list contains 46 institutions. Eight received Outstanding ratings and 38 received Satisfactory, with no institutions on the list rated Needs to Improve or Substantial Noncompliance. Institutions rated Outstanding were Farmers & Merchants Bank of Central California, First Bank & Trust, Newtown Savings Bank, Comenity Bank, Crest Savings Bank, Merrick Bank, Community First Banking Company and Comenity Capital Bank. Under the CRA, the FDIC assesses a bank’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operations. The agency also notes that consolidated CRA rating lists dating back to July 1, 1990, and individual bank evaluations are publicly available through the FDIC and the banks themselves.