Banks supervised by the Federal Deposit Insurance Corporation are receiving updated public Community Reinvestment Act disclosure records tied to examinations completed in July 2026. The release covers state nonmember banks and forms part of the federal framework requiring public ratings on how institutions serve community credit needs.
Highlights
- FDIC released the July 2026 evaluation list for state nonmember banks assessed under the Community Reinvestment Act, detailing assigned compliance ratings.
- The CRA requires the FDIC to rate banks on how well they meet credit needs in their communities, especially for low- and moderate-income areas.
- Full CRA evaluation reports and ratings since July 1, 1990, are accessible through the FDIC Public Information Center, enhancing sector transparency for investors and the public.
July evaluation list and disclosure rules
As reported by Federal Deposit Insurance Corporation, the newly issued list identifies state nonmember banks recently evaluated for compliance with the Community Reinvestment Act, with ratings assigned in July 2026.The CRA is a 1977 law that requires the FDIC to assess a bank's record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, while remaining consistent with safe and sound operations.
Under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, Congress requires public disclosure of an evaluation and rating for each bank or thrift that undergoes a CRA examination on or after July 1, 1990.
Access to records and sector implications
The FDIC says the public can obtain a consolidated list of all state nonmember banks whose evaluations have been made publicly available since July 1, 1990, including each institution's rating. Hard copies are also available through the agency's Public Information Center in Arlington, Virginia.Individual bank CRA evaluations are available directly from the bank involved, which is legally required to provide the material on request, or through the FDIC's Public Information Center. For the banking sector, the disclosure process supports regulatory transparency around community lending performance and provides a standardized record for public and market review.
In our earlier article, we reviewed Morgan Stanley’s upgrade of Wells Fargo to overweight and its view that 2026 could mark a transition year as the bank rebuilds its growth engine. We noted the key drivers cited for a stronger earnings path, including a stabilizing net interest margin, easing funding pressure, and improving returns as balance sheet growth normalizes. The piece also placed Wells Fargo’s stock performance in context against major U.S. banking peers and broader analyst sentiment.
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