News Release 2025-64 | July 1, 2025
OCC Releases CRA Performance Evaluations for 22 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 June 1, 2025, through June 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 |
|---|---|---|---|
| City National Bank of Florida | Miami | FL | Outstanding |
| Finemark National Bank and Trust | Fort Myers | FL | Satisfactory |
| TCM Bank, N.A. | Tampa | FL | Satisfactory |
| Midwest Heritage Bank, F.S.B. | West Des Moines | IA | Satisfactory |
| CNB Bank and Trust, N.A. | Carlinville | IL | Satisfactory |
| First National Bank in Olney | Olney | IL | Outstanding |
| Stillman BancCorp, N.A. | Stillman Valley | IL | Outstanding |
| Central National Bank | Junction City | KS | Satisfactory |
| Heritage Bank of St. Tammany | Covington | LA | Satisfactory |
| The Camden National Bank | Camden | ME | Satisfactory |
| Security National Bank of Omaha | Omaha | NE | Satisfactory |
| Bank of China – New York Branch | New York | NY | Outstanding |
| Bank of China – Queens Branch | Flushing | NY | Outstanding |
| Morgan Stanley Private Bank, N.A. | Purchase | NY | Outstanding |
| The Ephrata National Bank | Ephrata | PA | Satisfactory |
| First Savings Bank | Beresford | SD | Outstanding |
| First National Bank of Central Texas | Waco | TX | Satisfactory |
| First National Bank of Giddings | Giddings | TX | Satisfactory |
| Clare Bank, N.A. | Platteville | WI | Satisfactory |
| First Federal Bank of Wisconsin | Waukesha | WI | Satisfactory |
| Tri City National Bank | Oak Creek | WI | Satisfactory |
| Huntington Federal Savings Bank | Huntington | WV | 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 in the next two calendar quarters.
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Media Contact
Monica McCoy
(202) 649-6870