BANKING & COMMUNITY CREDIT · SEPTEMBER 3, 2026
OCC Publishes CRA Evaluations for 23 National Banks and Thrifts
The OCC released 23 Community Reinvestment Act evaluations that became public during August, showing how covered institutions served community credit needs, including low- and moderate-income neighborhoods.
What the OCC released
On September 1, the OCC published a list of 23 CRA performance evaluations that became public during August. The CRA assessment considers an institution's record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operations.
- 01Research lender footprint
- 02Match the transaction
- 03Bring a complete package
What the ratings do—and do not—mean
The published ratings include Outstanding and Satisfactory results for the listed institutions. These evaluations provide public regulatory context, but they do not indicate that a bank will approve a specific commercial loan or that every bank offers the same products, geography, industry appetite, or transaction size.
How a borrower can use the information
A business owner or property sponsor can research a bank's footprint, public CRA evaluation, product focus, and typical transaction profile before outreach. The actual request should still include a defined use of funds, verified financial statements, ownership information, collateral detail where applicable, and a credible repayment source.
Businesses should treat CRA information as lender-context research—not a promise of credit—and approach suitable banks with a complete, transaction-specific financing package.
Discuss a financing need →This independent summary is based on the cited source and is provided for general educational purposes only. Terms and program requirements may change.