The United States Office of the Comptroller of the Currency (OCC) released a list of Community Reinvestment Act (CRA) performance evaluations that became public between January 1, 2025 and January 31, 2025, covering 20 national banks and federal savings associations. The evaluations reflect the OCC’s assessment of each institution’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operation. Three institutions received an “outstanding” CRA rating: Stearns Bank National Association (St. Cloud, MN), Patrons Bank, National Association (Okmulgee, OK), and Nicolet National Bank (Green Bay, WI). Two institutions were rated “needs to improve”: United Trust Bank (Palos Heights, IL) and First Federal Savings and Loan Association of Lorain (Lorain, OH), while the remaining 15 institutions listed received “satisfactory” ratings. The OCC also noted that its website provides a searchable database of public CRA evaluations issued since April 1996 and a list of institutions scheduled for CRA examinations in the next two calendar quarters.
Office of the Comptroller of the Currency 2025-02-03
United States Office of the Comptroller of the Currency publishes CRA performance evaluations for 20 institutions including three outstanding ratings
The United States Office of the Comptroller of the Currency (OCC) published Community Reinvestment Act (CRA) performance evaluations for 20 national banks and federal savings associations for January 2025. Three institutions received an "outstanding" rating, two were rated "needs to improve," and 15 received "satisfactory" ratings. The OCC also highlighted its online database of CRA evaluations and upcoming examination schedules.