THE FIRST NATIONAL BANK & TRUST CO. OF VINITA

VINITA, OK · Supervised by OCC (Office of the Comptroller of the Currency)

Satisfactory Same

Current rating · Exam: July 2018

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 23, 2018

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 7 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

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Financial, branch, mortgage lending, and complaint data not available

This institution does not have a matched FDIC certificate in our database. Call Report financials, branch footprint, HMDA lending data, and CFPB complaints are sourced via FDIC cert and cannot be displayed without it.

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jul 2018	Satisfactory	Intermediate Small Bank
Jul 2015	Satisfactory	Intermediate Small Bank
May 2005	Satisfactory	Small Bank

3 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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