Federal Reserve Board Awards Comerica Bank Top Mark in Community Reinvestment Act Review
Rhea-AI Summary
Comerica Bank (NYSE:CMA) received an Outstanding overall rating on its 2025 Community Reinvestment Act (CRA) Performance Evaluation by the Federal Reserve Board for activity from July 1, 2023 through March 31, 2025.
Key metrics inside Comerica assessment areas include 7,200 mortgage loans ($1.8B), 11,500 small business loans ($2.8B), 800 community development loans ($3.7B) (84% by count for economic development), 1,000 donations ($10.9M), investments >$250M, 19,000 employee volunteer hours in financial education/technical assistance, and BusinessHQ serving 4,387 members.
Positive
- 7,200 mortgage loans totaling $1.8B
- 11,500 small business loans totaling $2.8B
- 800 community development loans totaling $3.7B
- 84% of community development loans (by count) for economic development
- $10.9M in community development donations (1,000 donations)
- 19,000 employee hours of financial education and technical assistance
Negative
- None.
News Market Reaction
On the day this news was published, CMA gained 5.46%, reflecting a notable positive market reaction.
Data tracked by StockTitan Argus on the day of publication.
Key Figures
Market Reality Check
Peers on Argus
CMA is up 2.06% while close peers show mixed moves (e.g., COLB -0.6%, WAL -0.94%, ZION +0.31%), suggesting a stock-specific move rather than a broad regional bank trend.
Historical Context
| Date | Event | Sentiment | Move | Catalyst |
|---|---|---|---|---|
| Jan 16 | Community initiative | Positive | +0.1% | Hatch Detroit contest funding and merger closing timing update. |
| Jan 13 | Merger approvals | Positive | +1.1% | Receipt of all material regulatory and shareholder approvals to combine. |
| Jan 06 | Merger vote results | Positive | +2.4% | Fifth Third and Comerica shareholders voting strongly in favor of merger. |
| Dec 22 | Activist presentation | Neutral | +0.6% | Holdco Asset Management presentation to Comerica’s board. |
| Dec 15 | Activist presentation | Neutral | -1.5% | Holdco Asset Management presentation to shareholders regarding Comerica. |
Recent merger-related headlines have generally coincided with modestly positive price reactions, indicating a pattern of aligned responses to constructive corporate developments.
Over the past months, Comerica’s news flow has been dominated by its planned combination with Fifth Third. On Jan 6, 2026 and Jan 13, 2026, shareholder and regulatory approvals for the merger and the creation of a $290 billion-asset bank both saw positive price reactions. Community-focused initiatives such as the Hatch Detroit contest on Jan 16, 2026 also aligned with slightly positive moves. Activist-related presentations in Dec 2025 produced mixed, generally modest reactions. Today’s “Outstanding” CRA rating fits into this backdrop of constructive operational and community news.
Market Pulse Summary
The stock moved +5.5% in the session following this news. A strong positive reaction aligns with Comerica’s recent pattern, where constructive regulatory and community-focused developments often coincided with gains. Trading near its 52-week high and above the 200-day MA suggests the stock had already been in a favorable trend ahead of the CRA outcome. Investors would typically weigh how much of this “Outstanding” CRA rating was already reflected in the price and whether enthusiasm could fade once initial interest subsided.
Key Terms
community reinvestment act (cra) regulatory
home mortgage disclosure act (hmda) regulatory
federal reserve board (frb) regulatory
AI-generated analysis. Not financial advice.
The examination consisted of a review of the bank's 2023 and 2024 Home Mortgage Disclosure Act (HMDA) and CRA small business lending data, as well as community development loans, investments and services between July 1, 2023, and March 31, 2025.
Comerica's most notable achievements during the review period that contributed to its Outstanding CRA rating include:
- 7,200 mortgage loans totaling
$1.8 billion and 11,500 small business loans totaling$2.8 billion inside Comerica's assessment areas; - 800 community development loans totaling
$3.7 billion inside assessment areas (84% of the loans – by count – were purposed for economic development); - 1,000 community development donations totaling
$10.9 million and investments totaling more than$250 million ; - Comerica employees provided 19,000 hours of financial education and small business technical assistance to benefit low- to moderate-income individuals and communities;
- Comerica BusinessHQ, a collaborative space established in
Dallas in early 2023, was created to function as part of theSouthern Dallas small business ecosystem and serve as an epicenter of vetted, credible community partners to present effective and impactful small business incubation and technical assistance. This unique community resource provides no-cost coworking spaces, technical resources and assistance and fellowships. Since its inception, BusinessHQ has served more than 4,387 members.
The Community Reinvestment Act (CRA), enacted in 1977, requires the Federal Reserve and other federal banking regulators to encourage financial institutions to help meet the credit needs of the communities in which they do business, including LMI neighborhoods.
About Comerica Bank
Comerica Bank, a subsidiary of Comerica Incorporated (NYSE: CMA), is a financial services company headquartered in
View original content to download multimedia:https://www.prnewswire.com/news-releases/federal-reserve-board-awards-comerica-bank-top-mark-in-community-reinvestment-act-review-302666714.html
SOURCE Comerica Bank
FAQ
What did Comerica (CMA) receive in the 2025 Federal Reserve CRA review?
What timeframe did Comerica's 2025 CRA evaluation cover for CMA?
How much did Comerica (CMA) lend to small businesses inside assessment areas?
What community development lending did Comerica report in the CRA review?
What philanthropic and community services did Comerica (CMA) report?
What is Comerica BusinessHQ and how many members has it served?
