The Federal Deposit Insurance Corporation (FDIC) has released its latest list of state nonmember banks that have recently undergone evaluations for compliance with the Community Reinvestment Act (CRA). The list details the ratings given to these institutions for the month of August 2025.
The CRA, established in 1977, directs the FDIC to review how well banks are serving the credit needs of their entire communities, with attention to low- and moderate-income neighborhoods. These assessments must be carried out while ensuring the safety and soundness of bank operations. Public disclosure of each bank’s evaluation and rating has been a requirement since July 1, 1990, following provisions set by the Financial Institutions Reform, Recovery, and Enforcement Act of 1989.
“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 those of low- and moderate-income neighborhoods, consistent with safe and sound operations. As part of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), Congress mandated the public disclosure of an evaluation and rating for each bank or thrift that undergoes a CRA examination on or after July 1, 1990.”
Members of the public can access a comprehensive list showing all state nonmember banks whose CRA evaluations have been made available since July 1, 1990. This list includes ratings for each institution. Those interested may also request hard copies from the FDIC’s Public Information Center located at 3501 Fairfax Drive in Arlington, Virginia.
Individual bank CRA evaluations can be requested directly from each respective bank or through the FDIC’s Public Information Center.
