Skip to main content
OCC Flag

An official website of the United States government

News Release 2025-39 | May 1, 2025

OCC Releases CRA Performance Evaluations for 25 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 April 1, 2025, through April 30, 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
First National Bank and Trust Atmore AL Satisfactory
Pikes Peak National Bank Colorado Springs CO Satisfactory
The First National Bank in Trinidad Trinidad CO Satisfactory
Lake Forest Bank & Trust Company, National Association Lake Forest IL Outstanding
Old Plank Trail Community Bank, National Association Mokena IL Outstanding
The Old Exchange National Bank of Okawville Okawville IL Outstanding
Union Federal Savings and Loan Association Kewanee IL Outstanding
Neighborhood National Bank Mora MN Satisfactory
WNB Financial, National Association Winona MN Satisfactory
HNB National Bank Hannibal MO Satisfactory
OceanFirst Bank, National Association Red Bank NJ Outstanding
The Canandaigua National Bank and Trust Company Canandaigua NY Satisfactory
Farmers National Bank of Canfield Canfield OH Satisfactory
The Huntington National Bank Columbus OH Outstanding
First National Bank of Oklahoma Oklahoma City OK Outstanding
Great Plains National Bank Elk City OK Satisfactory
Shamrock Bank, National Association Coalgate OK Outstanding
The Bank, National Association McAlester OK Satisfactory
Citibank, National Association Sioux Falls SD Outstanding
Extraco Banks, National Association Temple TX Satisfactory
The First National Bank of Mertzon Mertzon TX Satisfactory
The Granger National Bank Granger TX Outstanding
Zions Bancorporation, National Association Salt Lake City UT Satisfactory
Ledyard National Bank Norwich VT Satisfactory
Associated Bank, National Association Green Bay 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 Email Updates.

Media Contact

Monica McCoy
(202) 649-6870