OCC publishes CRA ratings for 18 banks and savings associations

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Ashutosh Sureka

01.06.2026

OCC publishes CRA ratings for 18 banks and savings associations — OCC unveils CRA ratings

Community reinvestment compliance remains a key supervisory measure for banks serving local credit markets across the U.S. The Office of the Comptroller of the Currency has now made public 18 Community Reinvestment Act performance evaluations covering institutions whose ratings were released between May 1 and May 31, 2026.

Highlights

On May 2024, OCC released Community Reinvestment Act evaluations for 18 national banks, federal savings associations, and insured federal branches of foreign banks.
Outstanding ratings were awarded to Albany Bank & Trust Company, Old National Bank, Landmark National Bank, Westfield Bank, Fifth Third Bank, The Idabel National Bank, Vast Bank, Elizabethton Federal Savings Bank, and Lone Oak Bank.
CRA ratings disclosure impacts banks’ regulatory standing, investor perceptions, and strategic planning, with OCC maintaining a searchable ratings database since April 1996.

May CRA evaluation release and ratings

As reported by the Office of the Comptroller of the Currency, the newly public evaluations cover national banks, federal savings associations and insured federal branches of foreign banks assessed under the Community Reinvestment Act. The agency says the reviews measure how well an institution meets the credit needs of its full community, including low- and moderate-income neighborhoods, while maintaining safe and sound operations.

The ratings in this release range from outstanding to satisfactory, with needs to improve and substantial noncompliance remaining possible outcomes under the framework. Institutions rated outstanding include Albany Bank & Trust Company, National Association in Illinois, Old National Bank in Indiana, Landmark National Bank in Kansas, Westfield Bank in Massachusetts, Fifth Third Bank, National Association in Ohio, The Idabel National Bank and Vast Bank, National Association in Oklahoma, Elizabethton Federal Savings Bank in Tennessee, and Lone Oak Bank, National Association in Texas.

Other institutions in the release received satisfactory ratings, including The First National Bank of Mount Dora in Florida, American Commercial Bank & Trust, National Association and The First National Bank of Brownstown in Illinois, The First National Bank of St. Ignace in Michigan, First National Bank of Clarksdale in Mississippi, The Bank of Greene County, The Citizens National Bank of Hammond and The First National Bank of Dryden in New York, and Liberty National Bank in Oklahoma.

Regulatory transparency and sector relevance

The CRA evaluation list gives banks, communities and investors a fresh view of how federally supervised institutions are performing against reinvestment obligations in their local markets. Public disclosure of these ratings can influence regulatory standing, community relationships and strategic planning for lenders operating across multiple states.

The OCC also says its website provides a searchable record of all public CRA evaluations issued since April 1996. In addition, the agency publishes a forward-looking list of institutions scheduled for CRA compliance examinations in the next two calendar quarters.

Our earlier article on the BBCMS 2021-AGW Mortgage Trust rating review explained how credit conditions for the deal were stabilizing as it approached its June 2026 loan maturity. We noted that ratings across all certificate classes were confirmed and the negative review status was removed as cash flow trends held broadly in line with the prior year and the borrower signaled plans to repay the $350 million loan at maturity.

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