Banking Agencies Adjust CRA Asset-Size Thresholds for 2026

The Federal Reserve Board and the FDIC adjusted the asset-size thresholds for "small bank" and "intermediate small bank" as required under Community Reinvestment Act ("CRA") regulations.

The banking agencies announced adjustments to the CRA asset-size "threshold amounts based on the annual percentage change in the Consumer Price Index for Urban Wage Earners and Clerical Workers." The agencies stated that during the 12-month period ending November 2025, the CPI–W increased by 2.51 percent.

As a result, the agencies defined:

• small banks as holding less than $1.649 billion of assets as of December 31 in either of the prior two calendar years; and
• intermediate small banks as banks with at least $412 million for both of the two prior calendar years, but less than $1.649 billion as of December 31 for either of the prior two calendar years.

The adjustments are effective on January 1, 2026, or the date of publication in the Federal Register, whichever is later. The agencies stated that there was no comment period as the changes are mandated by existing regulation based on an annual inflation adjustment methodology.