The Federal Deposit Insurance Corporation (FDIC) has released a list of state nonmember banks that were recently evaluated for their compliance with the Community Reinvestment Act (CRA). The evaluations, conducted in October 2025, resulted in assigned ratings for each institution.
The CRA, established in 1977, requires federal regulators to assess how well banks are serving the credit needs of their entire communities, including low- and moderate-income neighborhoods. The law also ensures that these assessments are consistent with safe and sound banking operations.
Under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA), Congress mandated that the results of CRA examinations be made public for any bank or thrift examined on or after July 1, 1990.
A consolidated list of all state nonmember banks with publicly available evaluations since July 1, 1990—including ratings—can be accessed online or by requesting a hard copy from the FDIC’s Public Information Center at 3501 Fairfax Drive, Room E-1002, Arlington, VA. Individuals can contact the center by calling 877-275-3342 or 703-562-2200.
Copies of individual bank CRA evaluations are available directly from the banks themselves as required by law or from the FDIC’s Public Information Center.
