Office of the Comptroller of the Currency releases CRA performance evaluations made public in January 2026 for 29 institutions

The Office of the Comptroller of the Currency (OCC) published the Community Reinvestment Act (CRA) performance evaluations that became public between January 1, 2026 and January 31, 2026, covering 29 national banks and federal savings associations. Across the evaluations released in the period, institutions received either an “outstanding” or “satisfactory” CRA rating. Outstanding ratings were assigned to AMG National Trust Bank (Colorado), City First Bank, National Association (District of Columbia), Northbrook Bank and Trust Company, National Association and St. Charles Bank and Trust Company, National Association (Illinois), Valley National Bank (New Jersey), The First National Bank in Sioux Falls (South Dakota), and First National Bank of Bosque County and Llano National Bank (Texas). The OCC reiterated that CRA assessments evaluate an institution’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operations, and noted the full range of CRA ratings (outstanding, satisfactory, needs to improve, and substantial noncompliance). The OCC also pointed to its website’s searchable archive of public CRA evaluations issued since April 1996 and its separate publication of institutions scheduled for CRA compliance examinations over the next two calendar quarters.