FDIC Released New Bank Compliance Ratings
The latest evaluations of how banks meet local credit needs are now available for public review.
Updated on Oct. 5, 2026 in Banking
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The Federal Deposit Insurance Corporation has issued a new list of state nonmember banks evaluated for compliance with the Community Reinvestment Act. These ratings reflect how well banks are meeting the credit needs of the communities they serve based on examinations from July 2026.
Why it matters
These evaluations offer a window into how your bank supports local credit access. Under federal law, institutions are required to share these performance records to ensure transparency in community lending efforts.
The FDIC has disclosed evaluation results for state nonmember banks based on assessments conducted in July 2026. While the public can request these records, specific ratings for each institution remain housed within individual bank files.
The players
Federal Deposit Insurance Corporation
A federal agency that insures deposits and evaluates how banks meet local credit needs.
The details
The Community Reinvestment Act requires the FDIC to periodically assess whether banks are providing adequate credit services to their local communities. Following mandates from the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, banks must provide copies of their specific evaluation reports to any member of the public who requests them.
Timeline
1977: The Community Reinvestment Act was originally enacted.
July 1, 1990: Public disclosure of evaluation ratings became mandatory.
July 2026: Evaluation ratings were assigned by the FDIC.
October 5, 2026: The list of bank evaluations was officially issued.
Money Landscape
This release continues the long-standing regulatory requirement for transparency in banking operations. It follows the disclosure mandate established by the Financial Institutions Reform, Recovery, and Enforcement Act of 1989.
You can request a copy of a bank's specific compliance evaluation directly from the institution to understand its record of community service. These documents are helpful when researching which financial partner best aligns with your local priorities.
The takeaway
Understanding your bank's commitment to community credit can help you make more informed decisions about where to keep your savings. If you wish to review a specific bank's performance record, reach out to the institution directly to request their most recent CRA evaluation.
Further reading
For a deeper look at bank performance and regulatory standards, explore our Banking section.
Source note: This article includes information reported by Fdic.
Live Poll
Do you believe banks should be required to publicly disclose their community reinvestment evaluation ratings?
