Community Reinvestment Act exam results for 6,680 US banks. Exams conducted by the OCC, Federal Reserve, and FDIC going back to 1990.
Rating Distribution
| Bank↑ | Location | Regulator | Exam Date | Assets | Rating |
|---|---|---|---|---|---|
| OPTIMUMBANK | FORT LAUDERDALE, FL | FDIC | Sep 2024 | $1.3B | Satisfactory |
| OPTUM BANK, INC. | DRAPER, UT | FDIC | Sep 2023 | $21.0B | Outstanding |
| OPTUS BANK | COLUMBIA, SC | FDIC | Oct 2025 | $785M | Satisfactory |
| ORANGE B&TC | MIDDLETOWN, NY | FRB | Feb 2024 | — | Satisfactory |
| ORANGE COUNTY BUSINESS BANK, N.A. |
| NEWPORT BEACH, CA |
| OCC |
| May 2005 |
| — |
| Satisfactory |
| OREGON COAST BANK | NEWPORT, OR | FDIC | Jun 2025 | $447M | Satisfactory |
| OREGON ST BK | CORVALLIS, OR | FRB | Jan 2000 | — | Satisfactory |
| OREGON TRAIL BK | GUERNSEY, WY | FRB | Mar 2014 | — | Satisfactory |
| ORIENTAL BANK | SAN JUAN, PR | FDIC | Jul 2024 | $12.0B | Satisfactory |
| ORIGIN BK | CHOUDRANT, LA | FRB | Jan 2025 | — | Satisfactory |
| ORION BK | NAPLES, FL | FRB | Nov 2008 | — | Satisfactory |
| ORRSTOWN BK | SHIPPENSBURG, PA | FRB | Jan 2024 | — | Satisfactory |
| OSB COMMUNITY BANK | OTTAWA, IL | FDIC | Mar 2024 | $361M | Satisfactory |
| OSGOOD BANK | OSGOOD, OH | FDIC | Feb 2026 | $514M | Satisfactory |
| OTTAWA SAVINGS BANK FSB | OTTAWA, IL | OCC | Mar 2020 | — | Satisfactory |
| OTTOVILLE BK CO | OTTOVILLE, OH | FRB | Oct 2023 | — | Satisfactory |
| OWEN COUNTY STATE BANK | SPENCER, IN | FDIC | Aug 2023 | $392M | Satisfactory |
| OWINGSVILLE BANKING COMPANY | OWINGSVILLE, KY | FDIC | Sep 2020 | $101M | Satisfactory |
| OXFORD BANK | OXFORD, MI | FDIC | Sep 2020 | $902M | Satisfactory |
| OXFORD BK | OXFORD, MI | FRB | May 2023 | — | Satisfactory |
| OZARK BANK | OZARK, MO | FDIC | Oct 2025 | $349M | Satisfactory |
| OZARK HERITAGE BANK, NATIONAL ASSOCIATION | MOUNTAIN VIEW, AR | OCC | Jan 2015 | — | Satisfactory |
| OZARKS FEDERAL SAVINGS AND LOAN ASSOCIATION | FARMINGTON, MO | OCC | May 2025 | $279M | Satisfactory |
| OZONA BANK | OZONA, TX | FDIC | Oct 2023 | $346M | Satisfactory |
| OZONA NATIONAL BANK | OZONA, TX | OCC | Oct 2020 | — | Satisfactory |