FDIC releases CRA compliance ratings for state nonmember banks
The Federal Deposit Insurance Corporation has published a new list of state nonmember banks evaluated under the Community Reinvestment Act. The release covers ratings assigned in March 2026 and adds to the public record of bank community lending performance.
Highlights
- FDIC released March 2026 CRA compliance ratings for state nonmember banks, assessing community credit provision and safe operations.
- The updated ratings list covers all state nonmember banks examined for CRA compliance since July 1, 1990, with public access mandated.
- Individual bank CRA evaluations remain available on request from the banks or via the FDIC’s Public Information Center in Arlington, Virginia.
March 2026 examination ratings released
As reported by the Federal Deposit Insurance Corporation, the newly issued list includes state nonmember banks recently examined for compliance with the Community Reinvestment Act, with ratings assigned in March 2026.The CRA, enacted in 1977, requires the FDIC to assess how well a bank meets the credit needs of its full community, including low- and moderate-income neighborhoods, while maintaining safe and sound operations.
Congress later required public disclosure of these evaluations and ratings through the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 for any bank or thrift undergoing a CRA examination on or after July 1, 1990.
Public access and regulatory significance
The FDIC said the public can obtain a consolidated list of all state nonmember banks whose CRA evaluations have been made publicly available since July 1, 1990, including each institution's rating.Individual bank CRA evaluations are also available directly from the banks themselves, which are required by law to provide the material on request, or through the FDIC's Public Information Center in Arlington, Virginia. The disclosures support transparency in bank oversight and provide communities and market participants with a record of how institutions serve local credit needs.
Our earlier report on Horizon Bancorp’s credit ratings explained why the bank holding company kept stable ratings while working through securities repositioning losses and shifting toward a more loan-focused balance sheet. We noted that resilient profitability, solid asset quality, and a stronger capital trajectory into 2026 were key factors supporting the stable outlook, alongside efforts to reduce higher-cost funding and rely more on core deposits.
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