The Federal Deposit Insurance Corporation published Community Reinvestment Act evaluation ratings assigned to 39 state nonmember banks in May 2026. Thirty-five banks received Satisfactory ratings, while four were rated Needs to Improve. The four banks rated Needs to Improve were First Bank of Ohio, The Bank of Houston, The Berkshire Bank and Ohio State Bank. CRA evaluations assess how well banks meet the credit needs of their entire communities, including low- and moderate-income neighborhoods, consistent with safe and sound operations.