NCB’s mission is embedded in its charter and directs the Bank’s work in two core areas: cooperatives and low-income communities. For decades, NCB has lived up to this mission through lending, deposit services, and advocacy that support the cooperative sector nationwide, as well as through a deep and sustained commitment to community development. All U.S. banks are subject to the Community Reinvestment Act, which evaluates how well financial institutions meet the credit needs of all the communities they serve, including low- and moderate-income communities. The recent Outstanding rating demonstrates the strength of NCB’s community-focused work.
“This achievement reflects the collective effort, dedication, and commitment of our entire organization,” said Casey Fannon, President and CEO of NCB. “From frontline teams to operational and support areas, this result demonstrates how deeply serving our communities is embedded in our culture and day-to-day work.”
An “Outstanding” CRA rating is not easily earned. It requires strong performance, consistent collaboration across departments, and a shared focus on delivering responsible, mission-driven banking and strong community engagement. Regulators cited NCB’s professionalism, attention to detail, and meaningful impact across the communities it serves.