On December 30, 2025, the Federal Reserve Board and the Federal Deposit Insurance Corporation announced new asset‑size thresholds for banks under the Community Reinvestment Act (CRA). The updated thresholds, based on a 2.51 % increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI‑W), set the limit for a small bank at less than $1.649 billion in assets as of December 31 of either of the two preceding years. An intermediate small bank must have assets of at least $412 million and less than $1.649 billion on those same dates. The rules take effect from the later of January 1, 2026 or the date of Federal Register publication and apply through December 31, 2026. A list of current and past thresholds is available on the agencies’ websites.
https://www.federalreserve.gov/newsevents/pressreleases/bcreg20251230a.htm
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