The Federal Reserve Board and the Federal Deposit Insurance Corporation published the updated 2026 asset-size thresholds used to classify banks as “small” and “intermediate small” for Community Reinvestment Act (CRA) examination procedures. The annual adjustment reflects a 2.51 percent increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) for the period ending November 2025. A “small bank” is an institution with assets of less than USD 1.649 billion as of December 31 of either of the prior two calendar years. An “intermediate small bank” is a small institution with assets of at least USD 412 million as of December 31 of both of the prior two calendar years and less than USD 1.649 billion as of December 31 of either of the prior two calendar years. The updated thresholds apply from the later of January 1, 2026 or the date of publication in the Federal Register through December 31, 2026.
Federal Reserve Board 2025-12-30
Federal Reserve Board and Federal Deposit Insurance Corporation set 2026 CRA small and intermediate small bank asset thresholds
The Federal Reserve Board and the Federal Deposit Insurance Corporation have updated the 2026 asset-size thresholds for classifying banks under the Community Reinvestment Act examination procedures. The adjustments reflect a 2.51% increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers. A "small bank" is defined as having assets under USD 1.649 billion, while an "intermediate small bank" has assets between USD 412 million and USD 1.649 billion.