Agencies adjust CRA asset thresholds

Federal regulators announced the 2025 updated asset-size thresholds used to define "small banks" and "intermediate small banks" under their current Community Reinvestment Act regulations.

Details: Effective Jan. 1:

  • “Small bank” means an institution that had assets of less than $1.609 billion, as of Dec. 31 of either of the prior two calendar years.

  • “Intermediate small bank” means a small institution with assets of at least $402 million as of Dec. 31 of both of the prior two calendar years and less than $1.609 billion as of Dec. 31 of either of the prior two calendar years.

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