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News Release 2026-12 | March 2, 2026

OCC Releases CRA Performance Evaluations for 24 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 February 1, 2026, through February 28, 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
North Side FS & LA of Chicago Chicago IL Satisfactory
Old Second National Bank Aurora IL Outstanding
Wintrust Bank, National Association Chicago IL Outstanding
First National Bank in Cimarron Cimarron KS Satisfactory
GNBank, National Association Girard KS Outstanding
Home Bank, National Association Lafayette LA Outstanding
42 North Private Bank Canton MA Satisfactory
Arundel Federal Savings Bank Glen Burnie MD Satisfactory
Superior National Bank Hancock MI Satisfactory
American Heritage National Bank Long Prairie MN Satisfactory
Abacus Federal Savings Bank New York NY Outstanding
Community Federal Savings Bank Woodhaven NY Satisfactory
The Delaware National Bank of Delhi Delhi NY Outstanding
Consumers National Bank Minerva OH Satisfactory
First Federal Savings and Loan Association of Newark Newark OH Outstanding
LCNB National Bank Lebanon OH Satisfactory
CorTrust Bank National Association Mitchell SD Satisfactory
Central National Bank Waco TX Outstanding
Citizens National Bank at Brownwood Brownwood TX Satisfactory
First National Bank in Port Lavaca Port Lavaca TX Satisfactory
Texas Heritage National Bank Daingerfield TX Outstanding
Powell Valley National Bank Jonesville VA Satisfactory
Skyline National Bank Independence VA Satisfactory
Virginia National Bank Charlottesville VA 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.

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

Media Contact

Monica McCoy
(202) 649-6870