Success by JazE Edutech / Interactive Tool
Interactive Tool
Find your bank's CRA rating, full performance evaluations, and archived exam files in two picks — a third only if you're not sure of your regulator. A finder for banks, parents, and community members.
Your bank's current CRA rating and its full performance evaluations are free to search on the FFIEC's CRA website, and the bank itself must keep a public file at its main office, its branches, and on its website. Older and archived exam files sit with your bank's primary regulator — the OCC, the Federal Reserve, or the FDIC — depending on its charter.
Use the interactive calculator or simulator below.
Full written guide, sources, and FAQs
A two-pick route to your bank's CRA rating, performance evaluations, and archived exam files — two picks for most people, a third only if you're not sure of your regulator — plus the public-file obligations bank teams must keep current.
This resource helps readers connect where can I find my bank's CRA rating to classroom practice, standards-aware implementation, and responsible next steps for schools and sponsors.
CRA records live in three public places, and all of them are free. The FFIEC operates a national search that lists every covered bank's current rating and its complete performance evaluations. The bank itself must maintain a public file — at its main office, in its branches, and on its website — holding the latest evaluation plus its own community lending disclosures. Older exams and related materials sit in the archive of the bank's primary regulator.
Which regulator's archive applies is not a matter of preference: national banks and federal savings associations are supervised by the OCC, state-chartered banks that belong to the Federal Reserve System are supervised by the Fed, and most other state-chartered insured banks fall to the FDIC. The route finder below turns that split into a guided path — two picks for most people, a third only when you are not sure of the regulator — for banks, parents, and community members alike.
This page is a route planner, not a report card. Select whether you are a bank team member or a parent or community member, and choose your regulator; only if you are not sure does a third question ask for a charter type, which locks the agency. The output panel then assembles the exact destinations: the lookup page for ratings and evaluations, the archive for past exam files, and, for banks, the posting and maintenance obligations attached to the public file. Nothing is stored or submitted.
What it doesn't do matters just as much. The finder does not grade any institution, does not hold ratings itself, and never replaces the regulator's own sites as the source of record. It does not provide legal or compliance advice, and it cannot confirm which rules apply after a merger or charter change — those cases always need a direct check with the supervising agency.
The first input asks who you are. Bank teams get an obligations view built around what must be posted, where it must be kept, and how it stays current. Parents and community members get a lookup view built around finding the rating, reading the full evaluation, and pulling archived files. The output panel re-labels itself the moment you choose, so the same tool serves both trips.
The second input names the primary regulator — OCC, Federal Reserve, or FDIC. If you are not sure, the third input resolves it: pick a charter type (national bank, state member bank, state non-member bank, or savings association) and the finder maps it to the correct agency using the standard supervision split. Choose 'Not sure' and the charter hints appear inline, so you never have to leave the page to identify the right agency.
Picture a parent in a neighborhood association who wants to know whether the bank with a branch beside her child's school is actually investing locally. She selects 'Parent or community member,' picks 'Federal Reserve' from the regulator row, and the route resolves in two picks into three numbered stops with real card text: Stop 1 — 'Current rating and evaluations: FFIEC CRA search'; Stop 2 — 'Full evaluation: latest public performance evaluation'; Stop 3 — 'Past exams: Federal Reserve public evaluations.' Each card names the exact portal, not a generic search box.
Now a compliance officer at a recently converted charter reruns the same tool. He selects 'Bank,' leaves the regulator row on 'Not sure,' and the third question appears: he picks 'National bank,' the agency locks, and the archive card rewrites itself in place to 'Past exams: OCC public disclosures' while an obligations strip joins the route — public file at the main office and in each state where branches operate, website posting, comment handling. Toggling the charter to 'state non-member bank' rewrites the archive card again — 'Past exams: FDIC public evaluations' — same skeleton, different agency text, no page reload.
The public file is a living record, not a one-time upload. Regulators expect the most recent performance evaluation to be available at the main office and at branches, with a bank operating in several states generally able to keep one file per state. Public comments and the bank's written responses belong in the file, and larger banks add listings of community development loans, investments, and services. Banks that maintain a website are expected to post the core items there as well.
Exact contents have shifted as the 2023 modernization rule phases in, so treat the finder's checklist as a starting map rather than a legal inventory. Assessment-area maps and branch lists appear in many files depending on the exam cycle and the rules in effect when the file was assembled. When a question is close — an item's format, a posting deadline, a transition date — the regulator's own checklist is the controlling source.
The routing logic assumes a U.S. insured depository institution with a standard charter, and it maps charters to regulators using the long-standing supervision split. Real life adds exceptions: a savings association's supervision, a recent merger, a holding-company structure, or a charter conversion can all change which agency holds the file. The finder flags those edge cases rather than resolving them, because only the regulator can confirm supervision in a specific situation.
Agency pages also move. Portals are reorganized and search tools are upgraded, so any routed link is an entry point, not a permanent address — if a destination has changed, use the agency's site search from its homepage. All outputs are educational routing suggestions, not determinations of what any institution's file contains or requires.
This finder answers where the records live; three companion pieces handle what to do next. The Comment Desk Kit shows parents and community members how to put a written comment into the file once they have found it. The Rating Qualifier explains how examiners build the rating they are about to read. The Coverage Gate Kit helps bank teams confirm the CRA reaches their institution at all before any file work begins.
Read together, the four pages form a complete loop: confirm coverage, find the file, understand the rating, and — where warranted — comment on the record. Each destination below opens on this site in the same layout, so the full circuit takes minutes rather than a research afternoon.
This tool is an educational navigation aid from SuccessEdu and is not affiliated with the FFIEC, the OCC, the Federal Reserve, the FDIC, or any other agency. It does not provide legal, tax, investment, or compliance advice, does not guarantee any regulatory outcome, rating, or examination result, and makes no claim about any specific institution's file. Ratings and evaluations remain the property of the issuing regulator.
Requirements can change as the 2023 modernization rule continues to phase in, and every routed destination should be verified against the supervising agency's current guidance. For anything binding — an obligation, a deadline, or a filing — consult your regulator or qualified counsel before you act.
Search the bank's name on the FFIEC's CRA website. The record shows the current rating, the date of the most recent examination, and every public performance evaluation that has been released. The lookup is free and does not require an account.
It is the set of records a bank must keep available to the public: at minimum the latest performance evaluation, public comments along with the bank's responses, and, for larger banks, listings of community development activity. It is maintained at the main office, with options for banks that operate in several states, and core items are posted on the bank's website.
National banks and federal savings associations are supervised by the OCC. State-chartered banks that are members of the Federal Reserve System are supervised by the Fed. Most other state-chartered insured banks fall to the FDIC. If the charter is unclear, the finder's charter hints map it in seconds.
The FFIEC search lists released performance evaluations, and the primary regulator's portal holds its own archive of evaluations and related public materials. Coverage depth varies by agency and by how long the bank has operated, so it pays to check both the FFIEC record and the regulator's archive.
The cycle is set in the regulations. Under 12 CFR 345.26(c), an FDIC-supervised institution with a prior rating of 'outstanding' is examined at least once every two years, and one rated 'satisfactory' at least once every three years; smaller institutions get longer gaps — no more than once every five years after an 'outstanding' rating and no more than once every four years after a 'satisfactory' one, with tighter cycles required after weaker ratings. Parallel schedules sit in the OCC's and Federal Reserve's CRA rules (12 CFR parts 25 and 228), and the 2023 modernization rule adjusts some of these cycles as it phases in. Rather than predicting any single schedule, the FFIEC record simply shows every evaluation released so far, which is the full public history.
Generally no. The CRA applies to insured depository institutions supervised by the OCC, the Federal Reserve, and the FDIC, while credit unions are supervised under a different framework. If your local credit union is the concern, its own regulator is the place to start.
Yes. Written comments on a bank's CRA performance go to the bank or its regulator, and the bank places them in its public file alongside its response. This page stops at locating the file; the Comment Desk Kit linked below is the single hand-off for writing one, with a print-and-go structure.
Federal Financial Institutions Examination Council
Federal Deposit Insurance Corporation
Board of Governors of the Federal Reserve System
Office of the Comptroller of the Currency
Federal Deposit Insurance Corporation
A print-and-go comment desk: annotated public-file checklist, fill-in comment letter templates mapped to the CRA tests, branch comment windows, regulator routing, and a submission log.