The Federal Deposit Insurance Corporation (FDIC) has released its latest list of state nonmember banks that were recently evaluated for compliance with the Community Reinvestment Act (CRA). The evaluations, which took place in September 2025, assess how well these institutions are meeting the credit needs of their communities, including low- and moderate-income neighborhoods.
The CRA, enacted in 1977, requires the FDIC to review a bank’s efforts to serve its entire community while maintaining safe and sound banking practices. Public disclosure of each bank’s evaluation and rating has been mandated by Congress since July 1, 1990, as part of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989.
According to the FDIC: “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.”
A comprehensive list of all state nonmember banks evaluated since July 1, 1990 is available through the FDIC’s Public Information Center at their Arlington, Virginia office. Individuals can also request hard copies by contacting the center at either their toll-free number or local line. Copies of individual banks’ CRA evaluations can be obtained directly from those banks or through the FDIC.
