Federal Deposit Insurance Corporation publishes December 2025 Community Reinvestment Act examination ratings for state nonmember banks

The Federal Deposit Insurance Corporation (FDIC) issued its list of state nonmember banks recently evaluated for compliance with the Community Reinvestment Act (CRA), covering the evaluation ratings assigned in December 2025. The CRA requires the FDIC to assess 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 FDIC noted that the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 requires public disclosure of CRA evaluations and ratings for each bank or thrift examined on or after July 1, 1990; the agency also makes available a consolidated list of all state nonmember banks with publicly available CRA evaluations since that date, and individual CRA evaluations can be obtained from the bank or from the FDIC’s Public Information Center.