The Office of the Comptroller of the Currency published a list of Community Reinvestment Act (CRA) performance evaluations that became public between August 1, 2025 and August 31, 2025, covering 11 national banks, federal savings associations, and insured federal branches of foreign banks. The evaluations reflect the OCC’s assessment of how institutions meet the credit needs of their communities, including low- and moderate-income neighborhoods, consistent with safe and sound operations. Two institutions received an “outstanding” CRA rating: Esquire Bank, N.A. (Jericho, NY) and Chain Bridge Bank, N.A. (McLean, VA). The remaining institutions were rated “satisfactory”: Southwest Heritage Bank (Scottsdale, AZ), C3bank, N.A. (Encinitas, CA), American Commerce Bank, N.A. (Bremen, GA), First National Bank and Trust (Elk City, OK), The Pauls Valley National Bank (Pauls Valley, OK), Citizens Savings Bank (Clarks Summit, PA), T Bank, N.A. (Dallas, TX), Titan Bank, N.A. (Mineral Wells, TX), and HSBC Bank USA, N.A. (Tysons, VA). The OCC noted that its website provides a searchable list of public CRA evaluations issued since April 1996 and publishes a list of institutions scheduled for CRA compliance examinations in the next two calendar quarters.
Office of the Comptroller of the Currency 2025-09-02
Office of the Comptroller of the Currency releases Community Reinvestment Act performance evaluations for 11 institutions
The Office of the Comptroller of the Currency released Community Reinvestment Act performance evaluations for 11 institutions, with Esquire Bank, N.A. and Chain Bridge Bank, N.A. receiving "outstanding" ratings. The other institutions were rated "satisfactory." The OCC also maintains a searchable list of CRA evaluations and upcoming compliance examinations on its website.