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News Release 2026-74 | September 1, 2026

OCC Releases CRA Performance Evaluations for 23 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 August 1, 2026, through August 31, 2026.

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
Edison National Bank Fort Myers FL Satisfactory
United National Bank Cairo GA Outstanding
The First National Bank of Litchfield Litchfield IL Outstanding
Golden Belt Bank, FSA Hays KS Outstanding
INTRUST Bank, National Association Wichita KS Satisfactory
Eureka Homestead Metairie LA Satisfactory
Eaton Community Bank Charlotte MI Satisfactory
Macatawa Bank, National Association Holland MI Outstanding
The First National Bank of Fairfax Fairfax MN Outstanding
First FS & LA Pascagoula MS Satisfactory
Carthage Savings and Loan, National Association Carthage NY Satisfactory
American Bank, National Association Dallas TX Satisfactory
Citizens National Bank Crockett TX Satisfactory
Dallas Capital Bank, National Association Dallas TX Satisfactory
First National Bank of Burleson Burleson TX Satisfactory
First National Bank of Hereford Hereford TX Satisfactory
First Texas National Bank Floydada TX Satisfactory
The City National Bank of Colorado City Colorado City TX Satisfactory
The Waggoner National Bank of Vernon Vernon TX Satisfactory
Unity National Bank of Houston Houston TX Satisfactory
VeraBank, National Association Henderson TX Outstanding
Morgan Stanley Bank, N.A. Salt Lake City UT Outstanding
First National Bank of River Falls River Falls WI Satisfactory

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.

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Media Contact

Rebecca Karabus
(202) 649-6870