Regulatory Alerts2025-11-25 | FIL-55-2025Revisions to the Community Bank Leverage Ratio (CBLR) Framework
The OCC, Federal Reserve Board, and FDIC propose lowering the Community Bank Leverage Ratio (CBLR) requirement for qualifying depository institutions and holding companies with under $10 billion in assets from 9 percent to 8 percent. The proposal also extends the grace period for organizations temporarily failing to meet CBLR qualifying criteria from two quarters to four quarters, subject to an eight-quarter limit per five-year period. These adjustments implement statutory flexibility under the Economic Growth, Regulatory Relief, and Consumer Protection Act while preserving capital standards and reducing regulatory burdens for community banking organizations.
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