The Federal Deposit Insurance Corporation (FDIC) has released its latest list of state nonmember banks evaluated for compliance with the Community Reinvestment Act (CRA). The evaluations, conducted in May 2025, assign ratings to each institution based on their efforts to meet the credit needs of their communities, including low- and moderate-income neighborhoods.
The CRA, enacted in 1977, requires the FDIC to assess how well banks serve all segments of their local communities while maintaining safe and sound operations. Under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), Congress required that both the evaluation and rating for each bank or thrift examined after July 1, 1990 be made public.
According to the FDIC: “You may obtain a consolidated list of all state nonmember banks whose evaluations have been made publicly available since July 1, 1990, including the rating for each bank, or obtain a hard copy from FDIC’s Public Information Center, 3501 Fairfax Drive, Room E-1002, Arlington, VA 22226 (877-275-3342 or 703-562-2200).”
Copies of individual bank CRA evaluations are available directly from the respective banks or through the FDIC’s Public Information Center. Banks are legally required to provide these materials upon request.
