Office of the Comptroller of the Currency releases CRA performance evaluations for 18 banks and savings associations with four rated outstanding

The Office of the Comptroller of the Currency (OCC) released the Community Reinvestment Act (CRA) performance evaluations that became public between May 1 and May 31, 2025, covering 18 national banks and federal savings associations. CRA evaluations assess 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. Four institutions received an outstanding rating: Armed Forces Bank, National Association; Trustmark National Bank; DSRM National Bank; and First National Bank of Scotia. The remaining institutions were rated satisfactory: BankUnited, National Association; EverBank, National Association; Embassy National Bank; American Bank and Trust Company, National Association; First Robinson Savings Bank, National Association; Grand Ridge National Bank; Home State Bank, National Association; The Litchfield National Bank; Southwest National Bank; Academy Bank, National Association; Tioga State Bank, National Association; Third Federal Savings and Loan Association of Cleveland; Brazos National Bank; and First National Bank of Dublin. The OCC also highlighted that its website provides a searchable list of public CRA evaluations issued since April 1996 and separately publishes a list of institutions scheduled for CRA compliance examinations over the next two calendar quarters.