On December 30, 2025, the Federal Deposit Insurance Corporation (FDIC) and the Federal Reserve Board announced updated Community Reinvestment Act (CRA) asset‑size thresholds for 2026. The new thresholds, adjusted by the 2.51 % increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI‑W) through November 2025, define a small bank as one with less than $1.649 billion in assets as of December 31 of either of the prior two calendar years. An intermediate small bank is a small institution with at least $412 million and less than $1.649 billion in assets as of December 31 of both prior years. The changes take effect from the later of January 1, 2026 or the date of Federal Register publication and remain in force through December 31, 2026.
https://www.fdic.gov/news/press-releases/2025/agencies-release-annual-asset-size-thresholds-under-community-reinvestment
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