The list below covers bank evaluation rates that the FDIC assigned to institutions in June 2006. The CRA is a 1977 law intended to encourage insured banks and thrifts to meet local credit needs, 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.

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Ratings: O is Outstanding; S is Satisfactory; NI is Needs to Improve; and SN is Substantial Non-compliance

Atlanta Region (AL, FL, GA, NC, SC, VA, WV)
Sofisa Bank, Florida - S
Oconee State Bank, Georgia - S
First Georgia Banking Company, Georgia - S
First Trust Bank, North Carolina - S
Bank of the Carolinas, North Carolina - S
Paragon Commercial Bank, North Carolina - S
CoastalStates Bank, South Carolina - S

Chicago Region (IL, IN, KY, MI, OH, WI)
Bank of Farmington, Illinois - S
First State Bank of West Salem, Illinois - S
Marine Bank, Springfield, Illinois - S
Sauk Valley Bank & Trust Company, Illinois - S
Ossian State Bank, Indiana - S
The Farmers State Bank, Indiana - S
Indiana Business Bank, Indiana - S
The Farmers Bank and Trust Company of Georgetown, Kentucky - S
The First Capital Bank of Kentucky - S
The Mechanics Savings Bank 2, Ohio - S
Grafton State Bank, Wisconsin - S
Lincoln State Bank, Wisconsin - O
Community Bank of Central Wisconsin - S
Blackhawk State, Wisconsin - O
River Valley State Bank, Wisconsin - S

Dallas Region (AR, CO, LA, MS,NM, OK, TN, TX)
First Security Bank, Arizona - S
The Farmers State Bank, Colorado - S
First Southwest Bank, Colorado - S
American Bank & Trust Company, Louisianna - S
Planters Bank & Trust Company, Mississippi - S
Armstrong Bank P.O. BOX 188 MUSKOGEE OK 74402 O
Citizens Bank of Lafayette, Tennessee - S
First Trust and Savings Bank, Tennessee - S
Citizens 1st Bank, Texas - S
First State Bank of Uvalde, Texas - S
Texas Heritage Bank, Texas - S
First State Bank, Texas - S
Pilgrim Bank, Texas NI
American Bank of Commerce, Texas - S

Kansas City Region (IA, KS, MN, MO, ND, NE, SD)
Guaranty State Bank and Trust Company, Kansas - S
The Peoples State Bank, Kansas - S
Farmers State Bank of Adams, Minnesota - S
Union Bank and Trust Company, Minnesota - S
Brickwell Community Bank, Minnesota - S
Lakeview Bank, Minnesota - S
The Nodaway Valley Bank, Misouri - S
The Bank of Macks Creek, Misouri - S
Frontenac Bank, Misouri - S
First State Bank, Nevada - S

New York Region (CT, DE, DC, MA, ME, MD, NH, NJ, NY, PA, PR, RI, VI, VT)
WashingtonFirst Bank, DC - S
Legacy Banks, Maryland - O
Carrollton Bank, Maryland - S
Bangor Savings Bank, Maine - O
Commerce Bank/North, New Jersey - O
Parke Bank, New Jersey - S

San Francisco Region (AK, AZ, CA, GU, HI, ID, MT, NV, OR, UT, WA, WY)
Bank of the West, California - S
Point Loma Community Bank, California - S
Toyota Financial Savings Bank, Nevada - O
Goldman Sachs Bank USA, Utah - S
First Mutual Bank, Washington - NI
First Sound Bank, Washington - S

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