OCC Releases December 2025 CRA Ratings for 33 US Banks and Financial Institutions

Washington D.C. The Office of the Comptroller of the Currency (OCC) has released its latest list of Community Reinvestment Act (CRA) performance evaluations that became public between December 1 and December 31, 2025. These evaluations show how well banks and financial institutions are serving the credit needs of their communities, especially low- and moderate-income neighborhoods.

Under the Community Reinvestment Act, the OCC regularly examines national banks, federal savings associations, and insured federal branches of foreign banks to ensure they are supporting economic development while operating in a safe and sound manner. Each institution receives one of four ratings: Outstanding, Satisfactory, Needs to Improve, or Substantial Noncompliance.

During this review period, several banks across the United States earned Outstanding ratings, including USAA Federal Savings Bank (Arizona), JPMorgan Chase Bank, N.A. (Ohio), American Express National Bank (Utah), M.Y. Safra Bank (New York), and National Bank of Commerce (Wisconsin). Many others received Satisfactory ratings, reflecting steady community engagement and responsible lending practices.

The list also highlights strong performance from regional and community banks in states such as Illinois, Kentucky, Massachusetts, Minnesota, New Jersey, New York, Oklahoma, Texas, Virginia, and Vermont, showing broad participation in community development efforts across the country.

The OCC noted that a complete searchable database of all public CRA evaluations issued since April 1996 is available on its website. Additionally, the regulator has published the list of institutions scheduled for CRA examinations over the next two calendar quarters, helping ensure transparency and continued accountability in the banking sector.

These evaluations play a crucial role in promoting fair access to financial services and strengthening local economies throughout the United States.