On December 30, 2025, the Federal Reserve Board and the FDIC issued the 2026 updated asset-size thresholds used to define "small bank" and "intermediate small bank" under their Community Reinvestment Act (CRA) regulations.
The definitions of small and intermediate small banks for CRA examinations were updated as a result of the 2.51 percent increase in the CPI-W for the period ending in November 2025. Changes to the asset-size thresholds, effective on January 1, 2026, are as a follows:
Small bank means an institution that, as of December 31 of either of the prior two calendar years, had assets of less than $1.649 billion.
Intermediate small bank means a small institution with assets of at least $412 million as of December 31 of both of the prior two calendar years and less than $1.649 billion as of December 31 of either of the prior two calendar years.
See the FDIC’s press release here.