OCC publishes CRA evaluations for 20 banks and federal savings associations

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OCC CRA evaluations June 2026

Highlights

OCC released June 2026 CRA evaluations for 20 national banks and federal savings associations across 12 states, with only outstanding and satisfactory ratings assigned.
Ten banks, including The First National Bank of Raymond and Minnesota National Bank, received outstanding CRA ratings, while ten others, such as Viking Bank and Southtrust Bank, were rated satisfactory.
The results expand the OCC’s searchable CRA evaluation database dating back to April 1996, enhancing transparency for banks, investors, and community groups on community lending compliance.

June CRA ratings across multiple states

As reported by the Office of the Comptroller of the Currency, the latest batch of Community Reinvestment Act evaluations covers national banks, federal savings associations and insured federal branches of foreign banks that received public ratings during June 2026.

Under the CRA, the OCC assesses whether an institution meets the credit needs of its entire community, including low- and moderate-income neighborhoods, while operating in a safe and sound manner.

Institutions in Illinois, Indiana, Kentucky, Louisiana, Minnesota, New York, Ohio, Oklahoma, Pennsylvania, South Dakota, Tennessee and Texas appear on the list. Ratings available under the framework are outstanding, satisfactory, needs to improve and substantial noncompliance, although the June release includes only outstanding and satisfactory results.

Banks rated outstanding are The First National Bank of Raymond in Illinois, Security Federal Savings Bank in Indiana, First Federal Savings Bank of Kentucky, First National Bank of Louisiana, Minnesota National Bank, VersaBank USA National Association, The Peoples National Bank of Checotah in Oklahoma, The Bancorp Bank, National Association in South Dakota, Home Federal Bank of Tennessee and The First National Bank of Ballinger in Texas. Institutions rated satisfactory include Viking Bank, National Association, Ballston Spa National Bank, Champlain National Bank, The Upstate National Bank, The Citizens National Bank of Woodsfield, The First Central National Bank of St. Paris, First Texoma National Bank, First National Bank of Pennsylvania, Community National Bank and Southtrust Bank, National Association.

Compliance visibility for community lending

The publication adds to the OCC's searchable database of all public CRA evaluations issued since April 1996, giving banks, community groups and investors a longer-term view of compliance performance and community lending records.

The regulator also says it publishes a separate list of institutions scheduled to be examined for CRA compliance, extending transparency around the supervisory pipeline for affected lenders.

Capstone Specialty Insurance Company’s new AM Best ratings highlighted how its financial strength is being assessed within State National Group’s pooling agreement that took effect on Jan. 1, 2026. Our earlier coverage explained that the stable outlooks reflect the group’s balance sheet strength, operating performance, and risk management, effectively linking Capstone’s credit profile to the wider State National platform.

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