The Office of the Comptroller of the Currency (OCC) has released 16 Community Reinvestment Act (CRA) performance evaluations. These evaluations are based on on-site examinations by OCC-trained staff. On-site examinations are done every other year. The reviews, which can take weeks for small banks and months for large banks, assess an institution’s performance in helping to meet the credit needs of communities, including those of low or moderate income within its assessment area. A compliance rating of either “Outstanding,” “Satisfactory,” “Needs to Improve,” and “Substantial Noncompliance” is awarded at the end of the on-site review.
Of the 16 CRA evaluations on the list made public by the OCC:
- five received an Outstanding rating
- eleven were rated Satisfactory
- one was rated as Needs to Improve
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No institution was rated as either Needs to Improve or in Substantial Noncompliance.
The full list is included below, by type of examination from largest to smallest bank, and within that, by CRA Rating.
|Charter#||Bank Name||City||State||Evaluation Date||Rating||Examination|
|13688||Capital One, National Association||Mclean||VA||8/24/2020||Outstanding||Large Bank|
|25053||Guaranty Bank & Trust, National Association||MT. Pleasant||TX||1/28/2021||Satisfactory||Large Bank|
|16629||Modern Bank, National Association||New York||NY||3/15/2021||Outstanding||Wholesale Bank|
|24828||Capital One Bank (USA)||Glen Allen||VA||8/24/2020||Outstanding||Limited Purpose Bank|
|705801||Universal Bank||West Covina||CA||3/22/2021||Outstanding||Intermediate Small Bank|
|700073||Sterling Federal Bank, F.S.B.||Sterling||IL||3/29/2021||Satisfactory||Intermediate Small Bank|
|14619||First National Bank of Pulaski||Pulaski||TN||3/8/2021||Satisfactory||Intermediate Small Bank|
|2221||The First National Bank of Middle Tennessee||McMinnville||TN||3/15/2021||Satisfactory||Intermediate Small Bank|
|13516||Citizens National Bank of Texas||Waxahachie||TX||3/17/2021||Satisfactory||Intermediate Small Bank|
|717428||Community Development Bank FSB||Ogema||MN||2/15/2021||Outstanding||Small Bank|
|14993||First National Bank of Brookfield||Brookfield||IL||3/15/2021||Satisfactory||Small Bank|
|10465||First National Bank||Cloverdale||IN||2/16/2021||Satisfactory||Small Bank|
|1493||First Southern National Bank||Lancaster||KY||4/12/2021||Satisfactory||Small Bank|
|7266||The Citizens National Bank||Meridian||MS||2/22/2021||Satisfactory||Large Bank|
|2302||The First National Bank of Bellevue||Bellevue||OH||2/1/2021||Satisfactory||Small Bank|
|22807||Texas National Bank||Sweetwater||TX||2/22/2021||Satisfactory||Small Bank|