The Federal Deposit Insurance Corporation (FDIC) has released a list of state nonmember banks that were recently evaluated for compliance with the Community Reinvestment Act (CRA). The evaluations and ratings published cover institutions assessed in July 2025.
The CRA, enacted in 1977, requires the FDIC to evaluate how well banks are meeting the credit needs of their entire communities, including low- and moderate-income neighborhoods. This assessment is carried out while ensuring the safe and sound operation of financial institutions. Public disclosure of these evaluations and ratings became mandatory after July 1, 1990, as part of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA).
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 covering all state nonmember banks evaluated since July 1, 1990—including their respective ratings—is available from the FDIC’s Public Information Center at its Arlington office. Individuals can also request hard copies by contacting the center at either its toll-free number or local line.
Copies of individual banks’ CRA evaluations can be obtained directly from each bank or through a request to the FDIC’s Public Information Center.
