On November 5, 2025, the federal bank regulatory agencies, as members of the Federal Financial Institutions Examination Council (FFIEC), released the 2025 Small Business, Small Farm, and Community Development Lending Data. The analysis was conducted using data compiled for banks, savings and loan associations, and savings banks reporting under the CRA regulations.
For 2025, a total of 720 lenders reported data about originations and purchases of small loans (loans with original amounts of $1 million or less) to businesses and farms. Of these, 63 had assets below the mandatory reporting threshold and reported either voluntarily or because they elected to be evaluated as a “large” institution during CRA examinations. The analysis includes the following findings:
In the aggregate, nearly 9 million small business loans (originations and purchases) totaling over $291 billion were reported in 2025.
Overall, 52.4% of the number of reported small business loan originations and 59.3% of the number of reported small farm loan originations were extended to firms with revenues of $1 million or less.
Overall, the distribution of the number and the dollar amounts of small business loans across the four relative income categories (low-, moderate-, middle-, and upper-income) partly reflects the distribution of population and businesses across these four income groups, although lending activity in upper-income areas exceeds the share of businesses and population in such areas.
646 of the 720 institutions reporting for 2025 reported community development lending activity.
The federal bank regulatory agencies’ joint press release can be found here.