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News Release 2026-1 | January 5, 2026

OCC Releases CRA Performance Evaluations for 33 National Banks and Federal Savings Associations

WASHINGTON—The Office of the Comptroller of the Currency (OCC) today released a list of Community Reinvestment Act (CRA) performance evaluations that became public during the period of December 1, 2025, through December 31, 2025.

Under the CRA, the OCC assesses an institution’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with the safe and sound operation of such institution.

The list includes the national banks, federal savings associations, and insured federal branches of foreign banks that have received CRA ratings. Possible ratings assigned are outstanding, satisfactory, needs to improve, and substantial noncompliance. The CRA evaluations released are:

Institution City State CRA Rating
USAA Federal Savings Bank Phoenix AZ Outstanding
Beacon Business Bank, N.A. San Francisco CA Satisfactory
First National Bank of Griffin Griffin GA Satisfactory
Crystal Lake Bank & Trust Company, N.A. Crystal Lake IL Outstanding
Hometown National Bank LaSalle IL Satisfactory
Libertyville Bank & Trust Company, N.A. Libertyville IL Outstanding
Resource Bank, N.A. DeKalb IL Satisfactory
Home Bank S.B. Martinsville IN Outstanding
Argentine Federal Savings Kansas City KS Outstanding
Cumberland Valley National Bank & Trust Company London KY Outstanding
First & Farmers National Bank, Inc. Somerset KY Outstanding
Forcht Bank, N.A. Lexington KY Satisfactory
Leader Bank, N.A. Arlington MA Satisfactory
Winter Hill Bank, F.S.B. Somerville MA Outstanding
The First National Bank of Bemidji Bemidji MN Satisfactory
Western National Bank Cass Lake MN Outstanding
The First National Bank of Gordon Gordon NE Outstanding
Hana Bank USA, N.A. Fort Lee NJ Satisfactory
Newfield National Bank Newfield NJ Satisfactory
First National Bank Alamogordo NM Satisfactory
M.Y. Safra Bank, F.S.B. New York NY Outstanding
Quontic Bank Astoria NY Satisfactory
Safra National Bank of New York New York NY Satisfactory
JPMorgan Chase Bank, N.A. Columbus OH Outstanding
First National Bank Heavener OK Satisfactory
Triad Bank, N.A. Tulsa OK Satisfactory
First Federal Savings & Loan Association of Greene County Waynesburg PA Satisfactory
Citizens National Bank Sevierville TN Satisfactory
American First National Bank Houston TX Outstanding
American Express National Bank Sandy UT Outstanding
Oak View National Bank Warrenton VA Satisfactory
The Bank of Bennington Bennington VT Satisfactory
National Bank of Commerce Superior WI Outstanding

The OCC's website offers access to a searchable list of all public CRA evaluations issued since April 1996. The OCC also publishes a list of institutions to be examined for compliance with the CRA in the next two calendar quarters.

To receive alerts for news releases announcing CRA performance evaluations, subscribe to OCC News email list.

Media Contact

Monica McCoy
(202) 649-6870