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Regulators readjust CRA asset-size thresholds

Federal bank regulators adjusted the asset-size thresholds used to define a small bank, small savings association, intermediate small bank and intermediate small savings association under the Community Reinvestment Act.

The annual adjustment, released by the Federal Reserve Board, FDIC and OCC, now defines a "small bank" or "small savings association" as an institution that, as of Dec. 31 of either of the prior two calendar years, had assets of less than $1.226 billion.

An "intermediate small bank" or "intermediate small savings association" is now defined as an institution with assets of at least $307 million as of Dec. 31 of both of the prior two calendar years and less than $1.226 billion as of Dec. 31 of either of the prior two calendar years.

Last year, institutions with less than $1.216 billion were considered a "small bank" or "small savings association" while an "intermediate small savings association" needed to have at least $304 million and less than $1.216 billion in assets.