The Office of the Comptroller of the Currency (OCC) has released 15 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. Reviews, which can take weeks, 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 15 evaluations on the list made public by the OCC:
- six received an Outstanding rating
- eight were rated Satisfactory
- one was rated as Needs to Improve
No institution was rated as in Substantial Noncompliance.
The full list is included below, in date order. It can also be accessed on the OCC website.
| Bank Name | City | State | Evaluation Date | Rating | Examination Type |
| Security National Bank | Witt | IL | 12/14/2020 | Satisfactory | Small Bank |
| First Texoma National Bank | Durant | OK | 12/14/2020 | Satisfactory | Small Bank |
| First National Bank of Decatur County | Bainbridge | GA | 11/23/2020 | Satisfactory | Small Bank |
| First National Bank of Kemp | Kemp | TX | 11/16/2020 | Satisfactory | Small Bank |
| United Fidelity Bank, F.S.B. | Evansville | IN | 11/13/2020 | Satisfactory | Intermediate Small Bank |
| First National Bank of Michigan | Kalamazoo | MI | 11/9/2020 | Satisfactory | Intermediate Small Bank |
| Pyramax Bank, FSB | Greenfield | WI | 11/9/2020 | Outstanding | Intermediate Small Bank |
| Wilmington Savings Fund Society, FSB | Wilmington | DE | 10/26/2020 | Outstanding | Large Bank |
| The Conway National Bank | Conway | SC | 10/26/2020 | Outstanding | Large Bank |
| Santander Bank, National Association | Wilmington | DE | 10/13/2020 | Outstanding | Large Bank |
| Community National Bank & Trust | Chanute | KS | 10/5/2020 | Outstanding | Intermediate Small Bank |
| Fidelity Bank, National Association | Wichita | KS | 10/5/2020 | Satisfactory | Large Bank |
| The First National Bank of Long Island | Glen Head | NY | 9/21/2020 | Satisfactory | Large Bank |
| Metropolitan Bank and Trust Company | New York | NY | 8/31/2020 | Needs to Improve | Small Bank |
| BOKF, National Association | Tulsa | OK | 6/8/2020 | Outstanding | Large Bank |
