Regulatory Alerts2025-12-30
Agencies Release Annual Asset-Size Thresholds Under Community Reinvestment Act Regulations
The Federal Reserve Board and the Federal Deposit Insurance Corporation announced updated 2026 asset-size thresholds for Community Reinvestment Act examinations. Driven by a 2.51 percent rise in the Consumer Price Index for Urban Wage Earners and Clerical Workers, a small bank is now defined as holding less than $1.649 billion in assets, while an intermediate small bank must maintain between $412 million and $1.649 billion. These revised classification limits, which determine applicable examination procedures, take effect from January 1, 2026, or the Federal Register publication date, through December 31, 2026.
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