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News Release 2025-106 | November 3, 2025

OCC Releases CRA Performance Evaluations for 16 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 October 1, 2025, through October 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
First National Bank Hamilton AL Satisfactory
First Bankers Trust Company, National Association Quincy IL Satisfactory
Granville National Bank Granville IL Satisfactory
Midwest National Bank Sandoval IL Outstanding
The First National Bank of Okawville Okawville IL Outstanding
The National Bank of Indianapolis Indianapolis IN Satisfactory
Homeland Federal Savings Bank Columbia LA Satisfactory
Investar Bank, National Association Baton Rouge LA Outstanding
Carver Federal Savings Bank New York NY Outstanding
First Mutual Bank, FSB Belpre OH Satisfactory
FSNB, National Association Lawton OK Outstanding
The First National Bank of Frederick Frederick SD Satisfactory
American Bank, National Association Waco TX Satisfactory
Commercial Bank of Texas, National Association Nacogdoches TX Satisfactory
The Jacksboro National Bank Jacksboro TX Satisfactory
Synchrony Bank Draper UT 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.

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Media Contact

Monica McCoy
(202) 649-6870