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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Joint Press Release
December 30, 2025
Agencies release annual asset-size thresholds under Community Reinvestment Act regulations
Federal Reserve Board
Federal Deposit Insurance Corporation
For release at 11:00 a.m. EST
The Federal Reserve Board and the Federal Deposit Insurance Corporation today announced the 2026 updated Community Reinvestment Act (CRA) "small bank" and "intermediate small bank" asset-size thresholds.
The CRA regulations establish the framework and criteria by which the relevant agencies assess a financial institution's record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operations. Financial institutions are evaluated under different CRA examination procedures based upon their asset-size classification. The asset-size thresholds are adjusted annually based on the average change in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), which is a measure of inflation.
As a result of the 2.51 percent increase in the CPI-W for the period ending in November 2025, the CRA asset-size thresholds for small banks and intermediate small banks are:
A small bank is an institution that, as of December 31 of either of the prior two calendar years, had assets of less than $1.649 billion.
An intermediate small bank is a small institution with assets of at least $412 million as of December 31 of both of the prior two calendar years and less than $1.649 billion as of December 31 of either of the prior two calendar years.
These thresholds are in effect from the latter of January 1, 2026 or the date of publication in the Federal Register through December 31, 2026. A list of the current and historical asset-size thresholds is available here .
Federal Register notice: Community Reinvestment Act Regulations Asset-Size Thresholds
Media Contacts:
Federal Reserve Board
Chelsea Grate
202-912-4690
FDIC
LaJuan Williams-Young
202-898-3876
Last Update: January 07, 2026