Regulatory Alerts2026-04-23
Added · Updated
Community Bank Leverage Ratio Final Rule
The OCC, Federal Reserve, and FDIC have issued a final rule amending the Community Bank Leverage Ratio (CBLR) framework for qualifying community banking organizations with under $10 billion in consolidated assets. The rule lowers the baseline leverage ratio requirement from 9 percent to 8 percent and extends the grace period for institutions temporarily failing to meet all qualifying criteria from two consecutive quarters to four, capped at eight quarters over a five-year period. Effective July 1, 2026, these adjustments reduce regulatory reporting burdens and encourage broader framework adoption while maintaining capital levels that support safety and soundness.
More like this from OCC
OCC published 10 documents in the last 30 days. We email you each new one the day it's published.