Four banks earned “outstanding” ratings for their compliance with anti-redlining rules – but two banks earned the subpar “needs improvement” ratings – according to the latest release Tuesday of the scores by the federal bank deposit insurance agency.
The remaining 63 ratings released by the Federal Deposit Insurance Corp. (FDIC) for August were all scored “satisfactory” for their compliance with rules implementing the Community Reinvestment Act (CRA).
The agency said the four banks earning the highest rating of “outstanding” for CRA were:
- Bedford Loan & Deposit Bank, 4Bedford, Ky.
- Farmers State Bank, Waterloo, Iowa
- Odin State Bank, Odin, Minn.
- First State Bank, Waynesboro, Miss.
The two banks earning “needs improvement” ratings were One American Bank of Centerville, S.D., and Tioga-Franklin Savings Bank of Philadelphia, Pa.
“Needs improvement” is one of two ratings that indicate deficiency in a bank’s compliance with CRA rules. The second, lower rating is “substantial noncompliance.” No bank in the FDIC’s latest release of ratings scored that low.
Monthly List of Banks Examined for CRA Compliance – August 2025
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